Madison County property record for 405 E US Hwy 40, Troy, IL 62294
| Property Type | Auto Repair, Garage |
|---|---|
| Details | 4,828 sqft · built 1982 |
| Lot Size | 1.07 acres (46,609 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,197 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Dec 2016 Loan Modification |
| APN | 09-1-22-09-20-402-023-001 |
| Primary APN | 09-1-22-09-20-402-023-001 |
|---|
| Building Area | 4,828 sqft Total Area |
|---|
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Lot Area | 46,609 sqft (1.07 acres) |
| Street Address | 405 E US HIGHWAY 40 |
|---|---|
| City | TROY |
| State | IL |
| Zip | 62294-2206 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Auto Repair, Garage |
| Legal Description | PT SE COR SE |
| Jurisdiction | MADISON IL |
| Township / Civil Division | JARVIS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 403532 |
405 E US Hwy 40, a commercial property, is owned by an individual who acquired it in March 2005.
Source: Madison County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 E US HIGHWAY 40, TROY, IL 62294-2206 |
| 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.
| Date | Document |
|---|---|
| Apr 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK OF ST JACOB |
| Dec 29, 2016 | Loan Modification, Mortgage · Conventional Mortgage FIRST NAT'L BK/STAUNTON |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 23, 2005 |
| Transfer Doc | 0000027190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 405 E US HIGHWAY 40, TROY, IL 62294-2206 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2022 |
| Title Company | EDWARDSVILLE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000013995 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 2022R13995 |
| Name | STATE BANK OF ST JACOB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 12, 2027 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 405 E US HIGHWAY 40, TROY, IL 62294-2206 |
| Document Number | 0000000322 |
| Instrument Date | Dec 29, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2017 |
| Name | Verified Name |
|---|---|
| Address | 406 E US HIGHWAY 40 TROY IL 62294, TROY, IL 62294 |
| Document Number | 0000000322 |
|---|---|
| Date | Jan 4, 2017 |
| Instrument | 322 |
| Name | FIRST NAT'L BK/STAUNTON |
|---|---|
| Type | Bank |
| Address | STAUNTON, IL 62088-0059 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 3, 2022 |
| Rate | 5.8% |
|---|
The 2025 property tax bill for 405 E US Hwy 40 was $7,197, up 6.2% from the year before.
Source: Madison County assessment roll, as of June 25, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,197.00 (+6.21%) | $104,030 Land $31,060 Building $72,970 | $312,090 Land $93,180 Building $218,910 |
| 2024 | $6,776.00 | ||
| 2022 | $6,058.00 | $81,090 Land $24,210 Building $56,880 | $243,514 Land $72,703 Building $170,811 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 405 E US Hwy 40; there have been 2 flood claims nearby since 2008.
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 | 3 in force |
| Nearby Flood Claims | 2 (2008–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Nov 2024 · rainfall accumulation |
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 risk around 405 E US Hwy 40 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| Also Mapped Here | MARYVILLE |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Copper | 1.69 mg/L (2021) action level 1.3 mg/L |
| 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.
Source: FCC Broadband Data Collection, based on 255 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: AT&T.
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