32 Lake Dr, Troy, IL 62294 Property Records

Madison County property record for 32 Lake Dr, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,280 sqft · built 1954
Lot Size	0.573 acres (25,000 sqft)
Owner	Individual Name on File
Tax Bill	$3,460 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2021 Mortgage + 2 more
APN	`09-2-22-10-15-401-017`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-10-15-401-017`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,280 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	25,000 sqft (0.573 acres)
Lot Dimensions	200 ft deep x 125 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	32 LAKE DR
City	TROY
State	IL
Zip	62294-1736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES SUBD LOT 32 125X200X IRR
Legal Subdivision	TWIN LAKES SUBD
Legal Lot Number	32
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	1
Census Block	1017
Census Tract	403531

Owner

32 Lake Dr is owned and occupied by an individual who acquired it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	32 LAKE DR, TROY, IL 62294-1736
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 20, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE MORTGAGE
May 20, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage JLB CORP
Jan 28, 2020	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE CORP
Feb 7, 2020	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 13, 2021
Transfer Doc	0000021670
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Recording Date	Aug 20, 2026
Property Address	32 LAKE DR, TROY, IL 62294-1736
Document Number	0000024214
Instrument Date	Aug 14, 2026
Instrument	202624214
Transaction Type	Mortgage
Record Updated	Sep 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	32 LAKE DR, TROY, IL 62294-1736

Mortgage

Document Number	0000024214,
Date	Aug 20, 2026
Instrument	202624214

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.63%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON IL
Recording Date	May 20, 2021
Property Address	32 LAKE DR, TROY, IL 62294-1736
Document Number	0000021670
Map Reference	PB 23 PG 168
Instrument Date	May 13, 2021
Instrument	2021R21670
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	32 LAKE DR, TROY, IL 62294-1736

Mortgage

Document Number	0000021671
Date	May 20, 2021
Instrument	2021R21671

Lender

Name	JLB CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	3.25%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	32 LAKE DR, TROY, IL 62294-1736
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003229
Date	Jan 28, 2020
Instrument	2020R03229

Lender

Name	PHH MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	32 LAKE DR, TROY, IL 62294-1736
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004489
Date	Feb 7, 2020
Instrument	2020R04489

Lender

Name	PHH MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 32 Lake Dr was $3,460 with a homeowner's exemption, up 7.3% 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	$3,460.00 (+7.29%)	$60,030 Land $14,790 Building $45,240	$180,090 Land $44,370 Building $135,720
2024	$3,225.00
2022	$2,809.00	$46,800 Land $11,530 Building $35,270	$140,541 Land $34,625 Building $105,916

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 32 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 32 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	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 126 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: ClearWave.

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