Madison County property record for 8043 Charleston, Troy, IL 62294
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 3 ba · 1,984 sqft · built 2019 |
| Lot Size | 0.345 acres (15,028 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $585,000 (Jul 2026) |
| Tax Bill | $10,555 (2025) |
| Deeds & Mortgages | Jul 2026 Foreclosure Feb 2020 Mortgage + 3 more |
| APN | 09-2-22-16-17-302-020 |
| Primary APN | 09-2-22-16-17-302-020 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 1,984 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Construction Type | Frame |
| Lot Area | 15,028 sqft (0.345 acres) |
| Lot Dimensions | 130 ft deep x 115 ft wide |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 8043 CHARLESTON |
|---|---|
| City | TROY |
| State | IL |
| Zip | 62294-3643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FIRST ADDITION TO CHARLESTON LOT 64 115.60 X 130 IRREGULAR |
| Legal Subdivision | FIRST ADDITION |
| Legal Lot Number | 64 |
| Jurisdiction | MADISON IL |
| Township / Civil Division | JARVIS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 403532 |
8043 Charleston is owned and occupied by two individuals who bought it in July 2026.
Source: Madison County records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8043 CHARLESTON, TROY, IL 62294-3643 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 6, 2026 | Trustee's Deed, Foreclosure · VA Mortgage ENDEAVOR CAPITAL |
| Feb 26, 2020 | Deed of Trust, Mortgage · Conventional with PMI GERSHMAN MTG |
| Jun 17, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SIMMONS FIRST BANK |
| Dec 21, 2018 | Trustee's Deed, Construction Loan · Line of Credit FCB BK |
| Oct 2, 2018 | Warranty Deed, Transfer ABSTRACTS AND TITLES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2026 · Amount on File |
| Deed Sale | Jul 6, 2026 · Amount on File |
| Prior Sale | Nov 14, 2024 |
| Deed Document Number | 20262026R19072 |
| Prior Transfer Date | Oct 31, 2024 |
| Prior Transfer Doc | 0000031645 |
| Record Updated | Oct 29, 2026 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Jul 6, 2026 |
| Property Address | 8043 CHARLESTON, TROY, IL 62294-3643 |
| Document Number | 0000019072 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 202619072 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 31, 2026 |
| Title Company | ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $88,627.50 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 8043 CHARLESTON, TROY, IL 62294-3643 |
| Date | Jul 6, 2026 |
|---|
| Name | ENDEAVOR CAPITAL |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.13% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 8043 CHARLESTON, TROY, IL 62294-3643 |
| Document Number | 0000008008 |
| Instrument Date | Feb 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2020 |
| Title Company | ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES INC |
| Name | Verified Name |
|---|---|
| Address | 8043 CHARLESTON TROY IL 622943643, TROY, IL 62294-3643 |
| Document Number | 0000008008 |
|---|---|
| Date | Mar 9, 2020 |
| Instrument | 8008 |
| Name | GERSHMAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 8, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Jun 17, 2019 |
| Property Address | 8043 CHARLESTON, TROY, IL 62294-3643 |
| Document Number | 0000018635 |
| Map Reference | PC 65 PG 209 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 2019R18635 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 21, 2022 |
| Title Company | ABSTRACTS & TITLES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $561.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8043 CHARLESTON, TROY, IL 62294-3643 |
| Document Number | 0000018636 |
|---|---|
| Date | Jun 17, 2019 |
| Instrument | 2019R18636 |
| Name | SIMMONS FIRST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Dec 21, 2018 |
| Property Address | 8043 CHARLESTON, TROY, IL 62294-3643 |
| Instrument Date | Dec 6, 2018 |
| Instrument | 40129 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 29, 2019 |
| Title Company | ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES INC |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2730 N CENTER ST MARYVILLE IL 620625624, MARYVILLE, IL 62062-5624 |
| Document Number | 0000040129 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 40129 |
| Name | FCB BK |
|---|---|
| Type | Bank |
| Address | COLLINSVILLE, IL 62234 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Oct 2, 2018 |
| Property Address | 8043 CHARLESTON, TROY, IL 62294-3643 |
| Document Number | 0000030911 |
| Instrument Date | Sep 21, 2018 |
| Instrument | 30911 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2018 |
| Title Company | ABSTRACTS AND TITLES INC |
| Amount | Amount on Record |
|---|---|
| Tax | $72.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2730 N CENTER ST MARYVILLE IL 620625624, MARYVILLE, IL 62062-5624 |
The 2025 property tax bill for 8043 Charleston was $10,555 with a homeowner's exemption, up 6.5% 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 | $10,555.00 (+6.51%) | $173,670 Land $24,500 Building $149,170 | $521,010 Land $73,500 Building $447,510 |
| 2024 | $9,910.00 | ||
| 2022 | $9,666.00 | $135,380 Land $19,100 Building $116,280 | $406,546 Land $57,357 Building $349,189 |
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.
FEMA has no flood map on file for 8043 Charleston; 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 8043 Charleston is low, with 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 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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 110 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 |
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