608 S Main St, Troy, IL 62294 Property Records

Madison County property record for 608 S Main St, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 928 sqft · built 1948
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Jul 2021)
Tax Bill	$3,603 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Aug 2019 Mortgage + 1 more
APN	`09-2-22-09-15-402-020`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-09-15-402-020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	928 sqft Living Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Attached
Patio Area	160 sqft
Shed	1 Shed
Shed Area	322 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	608 S MAIN ST
City	TROY
State	IL
Zip	62294-1815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DAVIDSON FRANK ADD LOT 1 80X150
Legal Subdivision	DAVIDSON FRANK ADDN
Legal Lot Number	1
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	3
Census Block	3022
Census Tract	403531

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	608 S MAIN ST, TROY, IL 62294-1815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK
Aug 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Oct 24, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Prior Sale	Oct 24, 2018 · Amount on Record
Deed Document Number	202132152
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Jul 30, 2021
Property Address	608 S MAIN ST, TROY, IL 62294-1815
Document Number	0000032152
Map Reference	PB 22 PG 52
Instrument Date	Jul 16, 2021
Instrument	2021R32152
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	BENCHMARK TITLE COMPANY, BENCHMARK TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 S MAIN ST, TROY, IL 62294-1815

Mortgage

Document Number	0000032153
Date	Jul 30, 2021
Instrument	2021R32153

Lender

Name	BUSEY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.38%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	608 S MAIN ST, TROY, IL 62294-1815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ABSTRACTS & TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027562
Date	Aug 28, 2019
Instrument	2019R27562

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2039

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Oct 24, 2018
Property Address	608 S MAIN ST, TROY, IL 62294-1815
Document Number	0000033603
Map Reference	PB22 PG52
Instrument Date	Oct 17, 2018
Instrument	2018R33603
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ABSTRACTS & TITLES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 S MAIN ST, TROY, IL 62294-1815

Mortgage

Document Number	0000033604
Date	Oct 24, 2018
Instrument	2018R33604

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.88%

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	$3,603.00 (+6.22%)	$52,080 (+28.31%) Land $13,570 Building $38,510	$156,240 (+28.18%) Land $40,710 Building $115,530
2024	$3,392.00 (+11.87%)
2022	$3,032.00	$40,590 Land $10,570 Building $30,020	$121,892 Land $31,742 Building $90,150

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	1 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Mar 2019 · Severe Storms And 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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 316 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, ClearWave.

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