40 Lake Dr, Troy, IL 62294 Property Records

Madison County property record for 40 Lake Dr, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,232 sqft · built 1977
Lot Size	0.43 acres (18,750 sqft)
Owner	2 Individual Names on File
Last Sale	$139,000 (May 2015)
Tax Bill	$4,779 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2021 Mortgage + 1 more
APN	`09-2-22-10-11-201-010`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-10-11-201-010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	18,750 sqft (0.43 acres)
Lot Dimensions	125 ft deep x 150 ft wide
Garage Type	Attached
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	40 LAKE DR
City	TROY
State	IL
Zip	62294-1737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES SUBD LOT 40 & PT 41 150X125 S X IRR
Legal Subdivision	TWIN LAKES SUBD
Legal Lot Number	40
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	1
Census Block	1021
Census Tract	403531

Owner

40 Lake Dr is owned and occupied by two individuals who bought it in May 2015.

Source: Madison County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	40 LAKE DR, TROY, IL 62294-1737
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
Jul 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CREDIT UNION
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2015 · Amount on File
Deed Sale	May 11, 2015 · Amount on File
Deed Document Number	201514872
Prior Transfer Date	Apr 30, 2015
Prior Transfer Doc	0000019127
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Recording Date	Jul 17, 2026
Property Address	40 LAKE DR, TROY, IL 62294-1737
Document Number	0000020577
Instrument Date	Jul 13, 2026
Instrument	202620577
Transaction Type	Mortgage
Record Updated	Aug 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	40 LAKE DR, TROY, IL 62294-1737

Mortgage

Document Number	0000020577,
Date	Jul 17, 2026
Instrument	202620577

Lender

Name	SCOTT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	40 LAKE DR, TROY, IL 62294-1737
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036218
Date	Aug 27, 2021
Instrument	2021R36218

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	40 LAKE DR, TROY, IL 62294-1737
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008758
Date	Mar 17, 2020
Instrument	2020R08758

Lender

Name	SYNERGY ONE LENDING INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 40 Lake Dr was $4,779, up 6.4% 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	$4,779.00 (+6.41%)	$74,630 Land $13,760 Building $60,870	$223,890 Land $41,280 Building $182,610
2024	$4,491.00
2022	$4,006.00	$58,180 Land $10,730 Building $47,450	$174,714 Land $32,222 Building $142,492

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 40 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 40 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 95% of the US · lower than 70% 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.

Nearby Properties on Lake Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures