8448 E Mill Creek Rd, Troy, IL 62294 Property Records

Madison County property record for 8448 E Mill Creek Rd, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,985 sqft · built 2003
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Feb 2013)
Tax Bill	$13,206 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Sep 2024 Mortgage
APN	`09-1-22-27-00-000-007-004`

Property Details

APN / Parcel Number

Primary APN	`09-1-22-27-00-000-007-004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,985 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Patio Area	400 sqft
Pole Barn	2,880 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	8448 E MILL CREEK RD
City	TROY
State	IL
Zip	62294-2700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW SW
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	2
Census Block	2014
Census Tract	403532

Owner

8448 E Mill Creek Rd is owned and occupied by two individuals who bought it in February 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	8448 E MILL CREEK RD, TROY, IL 62294-2700
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
Sep 23, 2024	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2013 · Amount on File
Deed Sale	Feb 20, 2013 · Amount on File
Prior Sale	May 5, 2003 · Amount on File
Deed Document Number	20138478
Prior Transfer Date	Aug 22, 2008
Prior Transfer Doc	0000044402
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	8448 E MILL CREEK RD, TROY, IL 62294-2700
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023012
Date	Aug 29, 2023
Instrument	2023R23012

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 11, 2043

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	8448 E MILL CREEK RD, TROY, IL 62294-2700
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	NNTG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026163
Date	Sep 23, 2024
Instrument	2024R26163

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2020
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.3%
Index	Other
Margin	3
Max Rate	11.3%

Tax Assessment & Valuation

The 2025 property tax bill for 8448 E Mill Creek Rd was $13,206, up 9.8% from the year before.

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	$13,206.00 (+9.84%)	$206,220 Land $24,060 Building $182,160	$618,661 Land $72,180 Building $546,481
2024	$12,023.00
2022	$10,657.00	$160,760 Land $18,760 Building $142,000	$482,762 Land $56,336 Building $426,426

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

FEMA has no flood map on file for 8448 E Mill Creek Rd; there have been 1 flood claim 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	6 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2008 · river or lake 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

Wildfire risk around 8448 E Mill Creek Rd 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	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	IL AMERICAN-EAST ST LOUIS private · serves 131,368 people · EPA ID IL1635040
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 ppb (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	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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