306 E Clay St, Troy, IL 62294 Property Records

Madison County property record for 306 E Clay St, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1941
Lot Size	0.356 acres (15,540 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jun 2005)
Tax Bill	$3,509 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2020 Loan Modification
APN	`09-2-22-09-08-202-008`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-09-08-202-008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	15,540 sqft (0.356 acres)
Lot Dimensions	207 ft deep x 75 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	306 E CLAY ST
City	TROY
State	IL
Zip	62294-1212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUTLOT LOT OL 41 75X207.2
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	1
Census Block	1012
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	Individual Name on Record
Mailing Address	306 E CLAY ST, TROY, IL 62294-1212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage HUD
Feb 27, 2020	Loan Modification, Mortgage · FHA Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2005 · Amount on Record
Deed Sale	Jun 6, 2005 · Amount on Record
Prior Sale	Jul 7, 2003 · Amount on Record
Deed Document Number	200530291
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	306 E CLAY ST, TROY, IL 62294-1212
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022930
Date	Aug 29, 2023
Instrument	2023R22930

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	324 Months
Due	Apr 1, 2050

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	306 E CLAY ST, TROY, IL 62294-1212
Document Number	0000006529
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E CLAY ST TROY IL TROY IL 62294, TROY, IL 62294

Mortgage

Document Number	0000006529
Date	Feb 27, 2020
Instrument	6529

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2050

Interest

Rate	3.75%

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
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	$3,509.00 (+6.2%)	$50,730 (+28.3%) Land $14,630 Building $36,100	$152,190 (+28.17%) Land $43,890 Building $108,300
2024	$3,304.00 (+11.85%)
2022	$2,954.00	$39,540 Land $11,400 Building $28,140	$118,739 Land $34,234 Building $84,505

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	Not rated no burnable land within 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 271 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

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