8318 W Mill Creek Rd, Troy, IL, 62294
About This Home
Beautiful, newer built home situated on 5 acres in Triad school district. This 3700 sq foot ranch with finished lower level walks out to a gorgeous backyard entertaining pool area. Built in 2020 this all brick/ stone home is absolutely stunning. ( NO HOA) Property also consists of a 40 x 60 stick built outbuilding fully insulated, wired for heat, concrete floor with 12 foot garage doors. This home offers geo thermal heat/ ac/ water heater. Fireplace, stove and pool heater is on propane. The main level hosts a living room, dining area, eat in kitchen, laundry area, 3 spare bedrooms, primary suite and an additional 1.5 baths (another full bath in primary suite). The living room is open to kitchen and dining area and leads to a large covered patio off the back of the home. Two of the spare bedrooms are connected with a jack and jill bathroom with dual vanities. The third spare bedroom could be a legal bedroom or an office with beautiful double doors to enter. The primary master bath has dual vanities, 2 closets and a linen closet, make up vanity and a separate tub and shower. The lower level is a walk out and has a family room, roughed in 5th bedroom, full bath, additional Rec area and 2 storage areas. The lower level walks out to the pool area. The pool is salt water, heated with a slide. It ranges from 3 foot to 6.5 feet in depth. The back patio offers a covered patio area and a fire pit. Seller to give flooring allowance if buyer wants to put new carpet in bedrooms.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2020
Materials
- Construction materials: Brick,Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Partially Finished,Walk-Out Access
Bathroom
- Features: Floor Covering: Ceramic Tile
- Level: Main
- Area: 100
- Dimensions: 10x10
Bathroom
- Features: Floor Covering: Wood
- Level: Main
- Area: 32
- Dimensions: 8x4
Bathroom
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Lower
- Area: 98
- Dimensions: 14x7
Bedroom2
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 132
- Dimensions: 11x12
Bedroom3
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 168
- Dimensions: 14x12
Bedroom4
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 154
- Dimensions: 11x14
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 3
- Main level bedrooms: 4
Dining Room
- Features: Floor Covering: Wood
- Level: Main
- Area: 140
- Dimensions: 10x14
Family Room
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Lower
- Area: 1296
- Dimensions: 48x27
Features
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 1,300
- Finished area above ground: 2,400
Heating & Cooling
- Heating features: Geothermal
- Cooling features: Geothermal
Interior Area
- Total structure area: 3,700
- Total interior livable area: 3,700 sqft
Kitchen
- Features: Floor Covering: Wood
- Level: Main
- Area: 700
- Dimensions: 28x25
Laundry
- Features: Floor Covering: Wood
- Level: Main
- Area: 126
- Dimensions: 18x7
Living Room
- Features: Floor Covering: Wood
- Level: Main
- Area: 240
- Dimensions: 16x15
Other
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Lower
- Area: 225
- Dimensions: 15x15
Primary Bathroom
- Features: Floor Covering: Ceramic Tile
- Level: Main
- Area: 238
- Dimensions: 17x14
Primary Bedroom
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 289
- Dimensions: 17x17
Recreation Room
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Lower
- Area: 414
- Dimensions: 23x18
Property
Details
- Parcel number: 091222800000008.004
- Special condition: Standard
Features
- Levels: Two
- Private pool: Yes
- Pool features: Heated,In Ground,Private,Salt Water
Lot
- Lot size: 5 Acres
- Features: Agricultural,Other
Parking
- Total spaces: 3
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Heat Wave
- Tornado
- Earthquake
- Hail
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $6,067 | $72,804 |
| Home Insurance * | $635 | $7,620 |
| Property Taxes | $1,790 | $21,480 |
| Electricity | $284 | $3,415 |
| Total | $8,776 | $105,312 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Listed for sale | $1,200,000 |
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