221 Harbor Mill Dr, Troy, IL 62294 Property Records

Madison County property record for 221 Harbor Mill Dr, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,893 sqft · built 2005
Lot Size	0.383 acres (16,721 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Aug 2022)
Tax Bill	$8,776 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Oct 2020 Mortgage + 1 more
APN	`10-2-16-33-17-303-018`

Property Details

APN / Parcel Number

Primary APN	`10-2-16-33-17-303-018`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,893 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Modern
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	16,721 sqft (0.383 acres)
Lot Dimensions	229 ft deep x 72 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	221 HARBOR MILL DR
City	TROY
State	IL
Zip	62294-3240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2ND ADD TO THE NORTHWOODS AT PARK F LOT 124 72.78 X 229.75 IRREGULAR
Legal Subdivision	SECOND ADDN
Legal Lot Number	124
Jurisdiction	MADISON IL
Township / Civil Division	PIN OAK
Census Block Group	2
Census Block	2060
Census Tract	403701

Owner

221 Harbor Mill Dr is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	221 HARBOR MILL DR, TROY, IL 62294-3240
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 9, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Oct 21, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Jan 8, 2019	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2022 · Amount on File
Deed Sale	Aug 9, 2022 · Amount on File
Prior Sale	Jan 8, 2019 · Amount on File
Deed Document Number	202226276
Prior Transfer Date	Jan 16, 2019
Prior Transfer Doc	0000003575
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Aug 9, 2022
Property Address	221 HARBOR MILL DR, TROY, IL 62294-3240
Document Number	0000026276
Map Reference	PC 63 PG 191
Instrument Date	Jul 20, 2022
Instrument	2022R26276
Transaction Type	Transfer
Record Updated	Aug 31, 2022
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	$562.50
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	221 HARBOR MILL DR, TROY, IL 62294-3240

Mortgage

Document Number	0000026277
Date	Aug 9, 2022
Instrument	2022R26277

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	5.25%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	221 HARBOR MILL DR, TROY, IL 62294-3240
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038018
Date	Oct 21, 2020
Instrument	2020R38018

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Jan 8, 2019
Property Address	221 HARBOR MILL DR, TROY, IL 62294-3240
Document Number	0000000925
Instrument Date	Dec 26, 2018
Instrument	925
Transaction Type	Transfer
Record Updated	Feb 6, 2019
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$409.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	221 HARBOR MILL DR TROY IL 622943240, TROY, IL 62294-3240

Mortgage

Document Number	926
Date	Jan 8, 2019
Instrument	926

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 221 Harbor Mill Dr was $8,776 with a homeowner's exemption, up 6.1% 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	Pin Oak Township
Municipality	Troy City
Unified School District	Triad Community Unit School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,776.00 (+6.13%)	$132,270 Land $25,720 Building $106,550	$396,810 Land $77,160 Building $319,650
2024	$8,269.00
2022	$6,927.00	$102,430 Land $19,920 Building $82,510	$307,598 Land $59,820 Building $247,778

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

FEMA has no flood map on file for 221 Harbor Mill Dr; there have been 2 flood claims nearby since 2009.

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	5 in force
Nearby Flood Claims	2 (2009–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2016 · river or lake flooding

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 221 Harbor Mill 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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