75 W Lake Dr, Troy, IL 62294 Property Records

Madison County property record for 75 W Lake Dr, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 792 sqft · built 1976
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$1,700 (May 2004)
Tax Bill	$5,488 (2025)
Deeds & Mortgages	Sep 2020 Loan Modification Aug 2020 Mortgage
APN	`09-2-22-10-15-401-003`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-10-15-401-003`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	792 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	133 ft deep x 137 ft wide
Patio Area	339 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	75 W LAKE DR
City	TROY
State	IL
Zip	62294-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES WEST & TWIN LAKES LOT 75 & W1/2 LT 7 EXC TO R-O-W 144X150XIRR
Legal Subdivision	TWIN LAKES
Legal Lot Number	75
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	1
Census Block	1017
Census Tract	403531

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	75 W LAKE DR, TROY, IL 62294-1732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2020	Loan Modification, Mortgage · FHA Mortgage PHH MTG SVCS
Aug 27, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2004 · Amount on Record
Deed Sale	May 21, 2004 · Amount on Record
Deed Document Number	200430142
Deed Book / Page	4652 / 4425
Record Updated	Sep 20, 2026

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	75 W LAKE DR, TROY, IL 62294-1732
Document Number	0000034512
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 W LAKE DR TROY IL 622941732, TROY, IL 62294-1732

Mortgage

Document Number	0000034512
Date	Sep 29, 2020
Instrument	34512

Lender

Name	PHH MTG SVCS
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33416-9838

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	75 W LAKE DR, TROY, IL 62294-1732
Document Number	0000033901
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 W LAKE DR TROY IL 622941732, TROY, IL 62294-1732

Mortgage

Document Number	0000033901
Date	Sep 24, 2020
Instrument	33901

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2050

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
Unified School District	Triad Community Unit School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,488.00 (+6.96%)	$91,700 (+28.29%) Land $16,100 Building $75,600	$275,100 (+28.16%) Land $48,300 Building $226,800
2024	$5,131.00 (+13.79%)
2022	$4,509.00	$71,480 Land $12,550 Building $58,930	$214,655 Land $37,688 Building $176,967

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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

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

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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.

Nearby Properties on W Lake Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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