15 Lake Dr, Troy, IL 62294 Property Records

Madison County property record for 15 Lake Dr, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,120 sqft · built 1978
Lot Size	0.413 acres (18,000 sqft)
Owner	Company Name on File
Tax Bill	$5,840 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2026 Mortgage + 3 more
APN	`09-2-22-10-15-401-027`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-10-15-401-027`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,120 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	18,000 sqft (0.413 acres)
Lot Dimensions	200 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	132 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	15 LAKE DR
City	TROY
State	IL
Zip	62294-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES SUBD LOT 15 90X200
Legal Subdivision	TWIN LAKES SUBD
Legal Lot Number	15
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	1
Census Block	1021
Census Tract	403531

Owner

15 Lake Dr is owned by a company that acquired it in March 2026 and is owner-occupied.

Source: Madison County records, as of June 25, 2026

Owner of Record	Company Name on File
Mailing Address	15 LAKE DR, TROY, IL 62294-1735
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS
Mar 3, 2026	Correction Deed · Conventional Mortgage SCOTT CU
Mar 27, 2024	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 14, 2023	Warranty Deed, Transfer · Conventional Mortgage SCOTT CU
Sep 8, 2020	Deed, Transfer · Conventional Mortgage FCB BANKS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2026
Deed Sale	Mar 3, 2026
Prior Sale	Mar 27, 2024
Deed Document Number	20266304
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	15 LAKE DR, TROY, IL 62294-1735
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043207
Date	Oct 14, 2021
Instrument	2021R43207

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	MADISON IL
Recording Date	Mar 3, 2026
Property Address	15 LAKE DR, TROY, IL 62294-1735
Document Number	0000006304
Map Reference	PB 23 PG 168
Instrument Date	Mar 2, 2026
Instrument	2026R06304
Record Updated	Apr 1, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 LAKE DR, TROY, IL 62294-1735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 LAKE DR, TROY, IL 62294-1735

Mortgage

Document Number	0000007046
Date	Mar 3, 2026
Instrument	2026R07046

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.25%

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON IL
Recording Date	Mar 27, 2024
Property Address	15 LAKE DR, TROY, IL 62294-1735
Document Number	0000007828
Map Reference	PB 23 PG 168
Instrument Date	Mar 27, 2024
Instrument	2024R07828
Transaction Type	Transfer
Record Updated	Apr 17, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 LAKE DR, TROY, IL 62294-1735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 LAKE DR, TROY, IL 62294-1735

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Jul 14, 2023
Property Address	15 LAKE DR, TROY, IL 62294-1735
Document Number	0000018466
Map Reference	PB 23 PG 168
Instrument Date	Jul 5, 2023
Instrument	2023R18466
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 LAKE DR, TROY, IL 62294-1735

Mortgage

Document Number	0000018467
Date	Jul 14, 2023
Instrument	2023R18467

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.63%

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON IL
Recording Date	Sep 8, 2020
Property Address	15 LAKE DR, TROY, IL 62294-1735
Document Number	0000031488
Map Reference	PC 23 PG 168
Instrument Date	Aug 28, 2020
Instrument	2020R31488
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ABSTRACTS & TITLES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$141.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	15 LAKE DR, TROY, IL 62294-1735

Mortgage

Document Number	0000031489
Date	Sep 8, 2020
Instrument	2020R31489

Lender

Name	FCB BANKS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 15 Lake Dr was $5,840 with a homeowner's exemption, up 12% from the year before.

Source: Madison County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Madison County
County Subdivision	Jarvis Township
Unified School District	Triad Community Unit School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,840.00 (+12.01%) Homeowner's exemption	$97,200 (+11.98%) Land $11,890 Building $85,310	$291,600 (+11.98%) Land $35,670 Building $255,930
2024	$5,214.00	$86,800 Land $11,090 Building $75,710	$260,400 Land $33,270 Building $227,130
2022	$4,583.00	$72,560 Land $9,270 Building $63,290	$217,898 Land $27,838 Building $190,060

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 15 Lake Dr; 2 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 15 Lake Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TROY serves 16,962 people · EPA ID IL1191000
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb
Copper	1.69 mg/L (2021) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, T-Mobile.

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