18 Lake Dr, Troy, IL 62294 Property Records

Madison County property record for 18 Lake Dr, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,958 sqft · built 1960
Lot Size	0.468 acres (20,385 sqft)
Owner	2 Individual Names on Record
Last Sale	$273,000 (Nov 2025)
Tax Bill	$4,431 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Oct 2019 Transfer + 1 more
APN	`09-2-22-10-15-401-010`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-10-15-401-010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,958 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	20,385 sqft (0.468 acres)
Lot Dimensions	226 ft deep x 90 ft wide
Garage Type	Attached
Patio Area	640 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	18 LAKE DR
City	TROY
State	IL
Zip	62294-1736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES SUBD LOT 18 90X226.5
Legal Subdivision	TWIN LAKES SUBD
Legal Lot Number	18
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	1
Census Block	1017
Census Tract	403531

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	18 LAKE DR, TROY, IL 62294-1736
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK
Oct 7, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 27, 2017	Warranty Deed, Transfer THE BRADFORD NATIONAL BANK OF GREENVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	Apr 27, 2017 · Amount on Record
Deed Document Number	202533100
Prior Transfer Date	Jun 16, 2019
Prior Transfer Doc	0000032279
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Nov 24, 2025
Property Address	18 LAKE DR, TROY, IL 62294-1736
Document Number	0000033100
Map Reference	PB 23 PG 168
Instrument Date	Nov 17, 2025
Instrument	2025R33100
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$409.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18 LAKE DR, TROY, IL 62294-1736

Mortgage

Document Number	0000033101
Date	Nov 24, 2025
Instrument	2025R33101

Lender

Name	DIETERICH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.13%

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON IL
Recording Date	Oct 7, 2019
Property Address	18 LAKE DR, TROY, IL 62294-1736
Document Number	0000032279
Instrument Date	Jun 16, 2018
Instrument	32279
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 LAKE DR TROY IL 622941736, TROY, IL 62294-1736

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Apr 27, 2017
Property Address	18 LAKE DR, TROY, IL 62294-1736
Document Number	0000014035
Map Reference	PL 23 PG 168
Instrument Date	Apr 19, 2017
Instrument	2017R14035
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$217.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	18 LAKE DR, TROY, IL 62294-1736

Mortgage

Document Number	0000014036
Date	Apr 27, 2017
Instrument	2017R14036

Lender

Name	THE BRADFORD NATIONAL BANK OF GREENVILLE
Type	Bank
Address	GREENVILLE, IL 62246

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,431.00 (+7.08%) Homeowner's exemption	$75,200 (+7.24%) Land $12,130 Building $63,070	$225,600 (+7.24%) Land $36,390 Building $189,210
2024	$4,138.00 (+14.21%)	$70,120 (+19.62%) Land $11,310 Building $58,810	$210,360 (+19.5%) Land $33,930 Building $176,430
2022	$3,623.00	$58,620 Land $9,460 Building $49,160	$176,036 Land $28,408 Building $147,628

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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	MARINE serves 1,037 people · EPA ID IL1190700
Water Source	Purchased surface water from BOND/MADISON WATER COMPANY
Last State Inspection	May 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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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