Madison County property record for 643 E US Hwy 40, Troy, IL 62294
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1957 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | Company Name on File |
| Tax Bill | $620 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jul 2019 Sale + 1 more |
| APN | 09-1-22-10-00-000-021 |
| Primary APN | 09-1-22-10-00-000-021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Lot Area | 48,787 sqft (1.12 acres) |
| Lot Dimensions | 180 ft deep x 306 ft wide |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 643 E US HIGHWAY 40 |
|---|---|
| City | TROY |
| State | IL |
| Zip | 62294-2208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SE SE 306.5X180.3 IRR |
| Legal Subdivision | FOREMAN HEIGHTS SUB |
| Jurisdiction | MADISON IL |
| Township / Civil Division | JARVIS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 403532 |
643 E US Hwy 40 is owned by a company that acquired it in April 2025 and is owner-occupied.
Source: Madison County records, as of June 25, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 203 E THROP ST, TROY, IL 62294-1231 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
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 |
|---|---|
| Jul 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS |
| Jul 24, 2019 | Warranty Deed, Transfer PONTOON TITLE |
| May 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage JOHNNY C SANDS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2025 |
| Deed Sale | Apr 1, 2025 |
| Prior Sale | Jul 24, 2019 · Amount on File |
| Deed Document Number | 20258603 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 643 E US HIGHWAY 40, TROY, IL 62294-2208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ABSTRACTS & TITLES |
| Name | Verified Name |
|---|
| Document Number | 0000023060 |
|---|---|
| Date | Jul 9, 2020 |
| Instrument | 2020R23060 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Jul 24, 2019 |
| Property Address | 643 E US HIGHWAY 40, TROY, IL 62294-2208 |
| Document Number | 0000023001 |
| Instrument Date | Jul 19, 2019 |
| Instrument | 23001 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2019 |
| Title Company | PONTOON TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $82.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8975 STATE ROUTE 162 TROY IL 622942067, TROY, IL 62294-2067 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 643 E US HIGHWAY 40, TROY, IL 62294-2208 |
| Document Number | 0000015646 |
| Instrument Date | May 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2018 |
| Title Company | PONTOON TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 643 E US HIGHWAY 40 TROY IL 622942208, TROY, IL 62294-2208 |
| Document Number | 0000015646 |
|---|---|
| Date | May 22, 2018 |
| Instrument | 15646 |
| Name | JOHNNY C SANDS |
|---|---|
| Address | 4477 STATE ROUTE 162, GRANITE CITY, IL 62040-6451 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | May 21, 2025 |
The 2025 property tax bill for 643 E US Hwy 40 was $620 with a homeowner's exemption, down 79.1% 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 |
| Unified School District | Triad Community Unit School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $620.00 (-79.15%) | $55,840 Land $14,510 Building $41,330 | $167,520 Land $43,530 Building $123,990 |
| 2024 | $2,973.00 | ||
| 2022 | $2,584.00 | $43,530 Land $11,310 Building $32,220 | $130,721 Land $33,964 Building $96,757 |
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 643 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 643 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 94% of the US · lower than 65% 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 | MARYVILLE serves 10,150 people · EPA ID IL1190750 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2026–2028) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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