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Single Family ResidenceResidential
$284,961$238 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $220,000 on Jul 27, 2022

46 ARBOR SPGS

TROY, IL 62294
3
Beds
3 / 1
Baths
1,196 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$285K
$269K low$301K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$220,000 · Jul 27, 2022
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$50,239
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$40,191
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.82%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$222,222
FCB BANKS · 4.75% · recorded Jul 27, 2022
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$12,500
FCB BANKS

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,599 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$86,920 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,360
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$64,560
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$81,640
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$260,760

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
83
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
70
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyMADISON
Lot (acres)The size of the land the home sits on, from county records.0.24
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 210 ft²

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
C.A. Henning Elementary SchoolA
Elementary · Grades PK–5 · 0.8 mi
H
Triad High SchoolA
High · Grades 9–12 · 1.6 mi
M
Triad Middle SchoolB
Middle · Grades 6–8 · 3.6 mi

District: Triad Community Unit School District 2

Neighborhood · ZIP 62294These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.52
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.144

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.12,109
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.435 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$95,300
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,330
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

46 Arbor Spgs measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 73% of homes in Madison County
  • Costs more per square foot than 80% of homes in Madison County
  • Has a smaller lot than 77% of homes in Troy 62294
  • Newer than 83% of homes in Madison County

What homes are worth in Troy 62294

Each bar is how many homes fall in that price range. The marker is this home.

This home
$121K$709K

This home is worth more than 40% of homes in Troy 62294.

How it measures up in Troy 62294

The dot is this home. The mark in the middle is the typical home in Troy 62294.

Estimated value$284,961
CheaperTypical $320,607Pricier

Pricier than 40% of homes nearby

Price per ft²$238
CheaperTypical $227Pricier

Pricier than 56% of homes nearby

Living area1,196 ft²
SmallerTypical 1,364 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.24 ac
SmallerTypical 0.3 acBigger

Bigger than 23% of homes nearby

Year built1998
OlderTypical 1993Newer

Newer than 62% of homes nearby

How 46 Arbor Spgs ranks against every home in each area.
MeasureThis homeTroy 62294Madison County
Estimated valuepricier than$284,96140% of homes73% of homes
Price per ft²pricier than$23856% of homes80% of homes
Living areabigger than1,196 ft²36% of homes56% of homes
Lot sizebigger than0.24 ac23% of homes46% of homes
Year builtnewer than199862% of homes83% of homes

About 46 Arbor Spgs

How much is 46 Arbor Spgs, Troy, IL worth?

The TopHap Estimate for 46 Arbor Spgs, Troy, IL is $284,961 as of Jul 14, 2026. The likely range is $269,307 to $300,615. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 46 Arbor Spgs, Troy, IL last sell?

46 Arbor Spgs, Troy, IL last sold on Jul 27, 2022 for $220,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 46 Arbor Spgs, Troy, IL?

46 Arbor Spgs, Troy, IL has 3 bedrooms, 3 bathrooms, 1,196 square feet of living space and a 0.24-acre lot.

When was 46 Arbor Spgs, Troy, IL built?

46 Arbor Spgs, Troy, IL was built in 1998, making it 28 years old. It is a split level home. The building has 2 stories.

What schools serve 46 Arbor Spgs, Troy, IL?

46 Arbor Spgs, Troy, IL is assigned to C.A. Henning Elementary School (elementary), rated A; Triad High School (high), rated A; Triad Middle School (middle), rated B. All sit in Triad Community Unit School District 2. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 46 Arbor Spgs, Troy, IL compare to other homes in Troy 62294?

Among the 5,706 homes in Troy 62294, it is worth more than 40% of them ($284,961 against a typical $320,607), its price per square foot is higher than 56% of them ($238 against a typical $227), it is bigger than 36% of them (1,196 ft² against a typical 1,364 ft²), its lot is bigger than 23% of them (0.24 ac against a typical 0.3 ac) and it is newer than 62% of them (1998 against a typical 1993). Measured against all of Madison County, it is worth more than 73% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 46 Arbor Spgs, Troy, IL?

The 2025 property tax bill for 46 Arbor Spgs, Troy, IL was $5,599. The county assessed it at $86,920.

Closest homes

More homes in Troy 62294

Assigned schools

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