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429 Orchard Ct, Troy, IL, 62294

3beds
2baths
1,232sqft
$224,900
$183price/sqft
$1,721/moest. monthly cost
$68,840/yrincome needed

About This Home

Welcome home to this charming 3 bedroom, 2 bathroom home located in a quiet neighborhood in Troy, Illinois! This well-maintained property offers a spacious and functional layout with a comfortable flow throughout the home. The kitchen features plenty of cabinet space and opens nicely to the main living areas, making it great for everyday living and entertaining. The home offers generously sized bedrooms, including a comfortable primary suite with its own private bathroom and large closet. Enjoy the fenced-in backyard — perfect for kids, pets, or gatherings — along with a garden shed for extra storage. Conveniently located close to shopping, dining, parks, and everything Troy has to offer, this home combines comfort, convenience, and peaceful living all in one!

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

9/10
C A Henning SchoolGrades PK-51.5 mi
7/10
Triad Middle SchoolGrades 6-84.1 mi
9/10
Triad High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1997

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: Crawl Space

Bathroom

  • Level: Main
  • Area: 42
  • Dimensions: 7x6

Bathroom2

  • Level: Main
  • Area: 40
  • Dimensions: 8x5

Bedroom

  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Bedroom2

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Finished area above ground: 1,193

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,232
  • Total interior livable area: 1,232 sqft

Kitchen

  • Level: Main
  • Area: 272
  • Dimensions: 17x16

Laundry

  • Level: Main
  • Area: 54
  • Dimensions: 9x6

Living Room

  • Level: Main
  • Area: 170
  • Dimensions: 17x10

Property

Details

  • Parcel number: 092220413304022
  • Special condition: Standard

Features

  • Levels: One

Lot

  • Lot size: 10,506 sqft
  • Features: Back Yard,Front Yard

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Heat Wave
Lightning
Winter Weather
Earthquake
Inland Flooding
Strong Wind

FEMA Declared Disasters Across Illinois Counties

Flood

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

MonthlyAnnual
Mortgage $1,137$13,644
Home Insurance *$119$1,428
Property Taxes $335$4,020
Electricity $130$1,569
Total$1,721$20,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,005/yr
40% on housing$51,630/yr
45% on housing$45,893/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

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.

Insurance Growth Rate5-year average: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$183This listing

vs Other Active Listings

Avg $/sqft

ZIP 62294$209
Madison County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 62294$155
Madison County$119

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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Price change$192,000
2026-07-20Listed for sale$224,900
2026-06-15Pending sale$224,900
2026-05-26Listed for sale$224,900
2006-05-18Sold$128,000
2004-09-01Sold$108,500

For Sale by Agent

AgentRyan Bland
BrokerageTarrant and Harman Real Estate and Auction Co

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