8476 E Mill Creek Rd, Troy, IL 62294 Property Records

Madison County property record for 8476 E Mill Creek Rd, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 608 sqft · built 1880
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Tax Bill	$3,948 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Mar 2018 Line of Credit + 1 more
APN	`09-1-22-27-00-000-008-001`

Property Details

APN / Parcel Number

Primary APN	`09-1-22-27-00-000-008-001`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	1 Room
Stories	2 Stories
Building Area	608 sqft Living Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1917
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	8476 E MILL CREEK RD
City	TROY
State	IL
Zip	62294-2700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E 1/2 NW SW
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	2
Census Block	2014
Census Tract	403532

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	8476 E MILL CREEK RD, TROY, IL 62294-2700
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Mar 26, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF EDWARDSVILLE
May 24, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF EDWARDSVILLE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	8476 E MILL CREEK RD, TROY, IL 62294-2700
Transaction Type	Mortgage
Record Updated	May 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009909
Date	Apr 18, 2023
Instrument	2023R09909

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 7, 2038

Interest

Rate Type	Fixed Rate
Rate	5.74%
Type Change Date	Apr 7, 2020
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	7.74%
Index	1-Year CMT
Max Rate	10.7%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	8476 E MILL CREEK RD, TROY, IL 62294-2700
Document Number	0000009899
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Apr 19, 2018
Title Company	SOUTHERN IL R/E TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8476 E MILL CREEK RD TROY IL 622942700, TROY, IL 62294-2700

Mortgage

Document Number	0000009899
Date	Apr 4, 2018
Instrument	9899

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	TROY, IL 62294

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	8476 E MILL CREEK RD, TROY, IL 62294-2700
Document Number	0000018675
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	Jun 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8476 E MILL CREEK RD TROY IL 622942700, TROY, IL 62294-2700

Mortgage

Document Number	0000018675
Date	Jun 6, 2017
Instrument	18675

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	TROY, IL 62294

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$3,948.00 (+7.81%)	$72,650 (+28.27%) Land $30,410 Building $42,240	$217,950 (+28.14%) Land $91,230 Building $126,720
2024	$3,662.00 (+5.02%)
2022	$3,487.00	$56,640 Land $23,710 Building $32,930	$170,090 Land $71,201 Building $98,889

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	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

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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