62294 Homes under $400,000

62294 Homes under $400,000

Welcome to the charming community of Troy, Illinois, nestled in Madison County and proudly bearing the zip code 62294. This delightful city offers a perfect blend of small-town charm and modern convenience, making it an ideal place for families, young professionals, and retirees alike.

Troy is renowned for its friendly atmosphere, excellent schools, and abundant parks, providing residents with a vibrant lifestyle. With easy access to major highways, you can enjoy a seamless commute to nearby cities like St. Louis while returning to the comfort of your suburban haven.

One of the most appealing aspects of living in Troy is the availability of homes under $400,000. Whether you’re a first-time homebuyer or looking to upgrade, you’ll find a variety of options that cater to diverse tastes and budgets. From cozy single-family homes with charming yards to modern townhouses with contemporary finishes, there’s something for everyone in this thriving market. The affordability of homes here allows you to invest in your dream property without breaking the bank.

In addition to its attractive real estate options, Troy boasts an array of local amenities, including shops, restaurants, and recreational facilities. The close-knit community hosts numerous events throughout the year, fostering connections among residents and creating a sense of belonging.

Explore the possibilities that await you in Troy, IL 62294. With its welcoming spirit, beautiful homes, and convenient location, you’ll find that this delightful city is the perfect place to call home.

Newest 62294 Homes under $400,000

38 Cedarbrooke, Troy
$375,000
3 Beds ⋅ 2 Baths ⋅ 26062602 MLS ⋅ ACTIVE Status
Set against a beautiful lake backdrop, this impressive atrium-style home offers a striking combination of spacious interiors, thoughtful design, and captivating lake views. The layout creates an open, light-filled atmosphere while showcasing the peaceful lake setting from multiple areas of the home. The main level features a generously sized primary suite designed for comfort and relaxation, complete with a large walk-in closet, dual vanities, separate shower, and jetted tub. Expansive living areas provide a versatile setting for everyday living and entertaining, while the home's elevated design creates a natural connection between the interior and the surrounding landscape. Step onto the deck and take in the tranquil lake views—an ideal setting for enjoying morning coffee, an evening beverage, or simply appreciating the scenery throughout the day. The lower level adds exceptional flexibility with a huge den featuring lookout windows, plumbing already in place for a future bathroom, and additional insulated unfinished space offering potential for future finishing, recreation, hobbies, storage, or a customized area. A large 3-car garage provides abundant space for vehicles, equipment, storage, and everyday convenience. Located in Troy, the property offers easy access to local shopping, dining, parks, schools, and community amenities, while nearby Tri-Township Park features walking trails, recreational fields, playgrounds, courts, disc golf, a lake, and additional outdoor amenities. Convenient access to major roadways also makes connecting throughout the Metro East and surrounding communities straightforward. With its picturesque lake setting, distinctive atrium-style architecture, spacious primary suite, expansive lower level, and impressive 3-car garage, this home presents a unique opportunity to enjoy generous living spaces with beautiful views and exceptional versatility. Property details, dimensions, permitted uses, and all information should be independently verified by the buyer and buyer's agent.

38 Cedarbrooke, Troy
625 Rhapsody Ln, Troy
$372,500
2 Beds ⋅ 2 Baths ⋅ 26061587 MLS ⋅ ACTIVE Status
Welcome to 625 Rhapsody Lane in Troy, IL, an upscale new construction villa in the highly desirable 55+ Serenade Villas community. This beautifully crafted home offers exceptional curb appeal with timeless brick and stone exterior detailing, setting the tone for the quality and thoughtful design found throughout. Step inside to a bright, open layout featuring a spacious living room with a built-in electric fireplace and stylish shiplap surround. The kitchen is designed for both everyday living and entertaining, showcasing a large center island, upgraded cabinetry, and granite countertops, all flowing into the dining area under a soaring vaulted ceiling that creates an airy, welcoming feel. The primary suite is a relaxing retreat with a private bath featuring dual vanities, a tiled shower, and a generous walk-in closet. A second bedroom provides comfortable space for guests, while the bonus room offers outstanding flexibility - ideal for a home office, craft room, hobby space, or additional sitting area. Enjoy the outdoors from your covered patio, perfect for relaxing with morning coffee or evening downtime. Additional highlights include no-step living throughout, luxury vinyl plank and ceramic tile flooring, and a 2-car garage with extra storage. Conveniently located near shopping, dining, parks, a stocked pond, walking trails, and quick interstate access, this home delivers the perfect blend of comfort, convenience, and modern low-maintenance living in Troy.

625 Rhapsody Ln, Troy
428 Avalon Dr, Troy
$400,000
4 Beds ⋅ 4 Baths ⋅ 26062268 MLS ⋅ ACTIVE Status
Space, style, and versatility come together in this impressive 4-bedroom, 3.5-bath home! The spacious owner’s suite offers a private retreat, complete with a recently renovated en-suite bathroom featuring a fresh, updated feel. The finished basement provides additional living space with endless possibilities for entertaining, a home office, or guest accommodations. Gather around the cozy fireplace or enjoy the privacy of the fenced backyard. The 3-car garage provides exceptional parking and storage, while the detached workshop shed is a true standout, featuring both heating and AC for year-round comfort; perfect for hobbies, projects, a workshop, or additional workspace. With a thoughtfully designed floor plan, generous living spaces, and unique features throughout, this home offers the space and flexibility you’ve been looking for!

428 Avalon Dr, Troy
621 Rhapsody Ln, Troy
$375,000
3 Beds ⋅ 2 Baths ⋅ 26061595 MLS ⋅ ACTIVE Status
Take advantage of your opportunity to own an UPSCALE new construction villa in the 55+ Serenade Villas community. You'll immediately notice the quality-build when you pull up and see the beautiful brick and stone work on the front of the home. The interior features an OPEN FLOORPLAN with living room and electric fireplace with shiplap surround, kitchen with center island, upgraded cabinetry and granite countertops, dining area, all under the vaulted ceiling. The primary suite offers a bath with dual vanities, walk-in closet and a tiled shower. There's also a 2nd bedroom + 3rd bedroom/office option. Enjoy the outdoors and fresh air relaxing on your covered patio. Features include luxury vinyl plank flooring, 2-car garage with storage area and more. The location is ideal, near shopping, parks, STOCKED pond, walking trail, dining and interstates. NOTE-PHOTOS OF A FINISHED HOME ARE FOR DEMONSTRATIVE PURPOSES ONLY TO DISPLAY A FINISHED PRODUCT. FINISHES MAY VARY.........

621 Rhapsody Ln, Troy
913 Long Branch Rd, Troy
$289,000
3 Beds ⋅ 3 Baths ⋅ 26060013 MLS ⋅ ACTIVE UNDER CONTRACT Status
Move-In Ready in Country Village – Triad School District! Welcome to this beautifully maintained home in the highly sought-after Triad School District, ready for its next family from day one. Step inside to an open floor plan where the living room flows seamlessly into the eat-in kitchen — perfect for entertaining or everyday family life. The kitchen impresses with an abundance of cabinet space, and all appliances stay, making this a true turnkey opportunity. The main level offers a spacious primary suite with its own private bathroom, plus two additional bedrooms and a full hall bathroom. Neutral paint and flooring run throughout, giving you a fresh, move-in-ready home from the moment you walk in. Enjoy the outdoors in the large screened-in deck — an ideal spot for morning coffee or evening relaxation, rain or shine. The finished walkout lower level expands your living space with a family room complete with a bar, plus a convenient half bathroom — perfect for hosting or a second living area. Car enthusiasts and EV owners will love the oversized two-car side-entry garage, complete with an electric vehicle hookup. Outside, enjoy a generously sized, fully fenced backyard built for making memories — featuring a newer shed, a garden area ready for planting, and a playset already in place for fun! As an added bonus, the seller is including a Choice Home Warranty "Choice Plus" plan for the buyer — extra peace of mind from day one in your new home! Don't miss this rare combination of move-in-ready condition, functional space, and an unbeatable location.

913 Long Branch Rd, Troy
531 Whip Poor Will St, Troy
$290,000
3 Beds ⋅ 2 Baths ⋅ 26059415 MLS ⋅ ACTIVE Status
Discover a refreshing take on suburban living at 531 Whip Poor Will St, Troy. This inviting single-family residence, built in 1988, is ready to welcome its new owners, offering a harmonious blend of comfort and practical design. This home offers three well-proportioned bedrooms, providing ample private space for relaxation and rejuvenation. With two thoughtfully appointed bathrooms, daily routines are effortlessly accommodated. The split-level architectural style provides distinct living zones, enhancing both privacy and functionality. Step outside to a private, level, fenced back yard, an ideal setting for outdoor enjoyment and quiet contemplation. An attached garage offers convenience and secure parking, while the patio provides a perfect spot for al fresco dining or simply unwinding. There is plenty of storage and master bedroom boasts two closets. A new water heater in 2026. Refrigerator new in 2025, Water softener needs repair. This property presents an exceptional opportunity to embrace a comfortable and convenient lifestyle; schedule your viewing today.

531 Whip Poor Will St, Troy
17 Arbor Spgs, Troy
$305,000
3 Beds ⋅ 3 Baths ⋅ 26058554 MLS ⋅ ACTIVE UNDER CONTRACT Status
Welcome home to this beautifully updated 3-bedroom, 3-bathroom GEM! Move-in ready and filled with natural light, this home features a spacious open-concept upper level perfect for entertaining. The modern kitchen flows seamlessly into the living and dining areas, creating an inviting space for family and guests. Retreat to the comfortable primary suite or head downstairs to the finished lower level, which offers an excellent flexible space for a family room, home office, or gym. With two full bathrooms & 1 half bath, morning rushes are a thing of the past! Step outside to your fully fenced backyard - an ideal oasis for pets, play, and summer barbecues. The patio is perfectly scaled for comfortable lounge seating, hot tub or outside games. Opportunities like this don't wait, and neither will this home. With its prime location and turnkey updates, it's bound to attract attention fast. Schedule your private tour today before someone else calls it home! Agent related to seller....Audio/Visual camera in use at property.

17 Arbor Spgs, Troy
531 Taake Ln, Troy
$379,900
3 Beds ⋅ 4 Baths ⋅ 26049821 MLS ⋅ ACTIVE Status
NEW PRICE - $379,900. SAME BEAUTIFUL WATERFRONT LIFESTYLE! Welcome to a home where everyday living feels a little more like a getaway! This waterfront 3-bedroom, 3.5-bath home offers a wonderful combination of comfortable living, flexible spaces and multiple levels of outdoor enjoyment, all within the Triad School District. Step inside to gleaming hardwood floors and an inviting open-concept living and dining area anchored by a fireplace. The open layout creates an effortless flow for everyday living and entertaining. The dining area opens to the fully equipped kitchen featuring ample cabinetry, pantry storage and a breakfast bar for additional casual dining. A main-level bedroom and half bath complete this level. Upstairs, retreat to a spacious primary suite designed with relaxation in mind. Step onto your private balcony and take in the waterfront views, or unwind beside the see-through fireplace shared between the bedroom and ensuite bath. The primary bath features a corner whirlpool jetted tub positioned to enjoy the warmth and ambiance of the fireplace, along with a double vanity, separate shower and private water closet. A massive walk-in closet provides generous storage. The additional upper-level bedroom features its own ensuite bath, offering added privacy and convenience for guests. The finished walkout lower level expands your living options with a family room featuring another fireplace, wet bar, full bathroom and a versatile flex room which is ideal for a home office, exercise room, hobby space or non-conforming bedroom. The laundry room includes a washer and dryer. But the true showstopper is the waterfront lifestyle. Outdoor living unfolds across three levels. Entertain on the maintenance-free wraparound deck, relax on the upper-level balcony with elevated water views, or step from the walkout lower level onto the concrete patio. From there, follow the walkway directly to the dock and spend your free time enjoying the water, fishing, kayaking or simply relaxing along the shoreline. And you don't have to sacrifice convenience for tranquility. an elementary school is nearby, while downtown Troy is just a short distance away for local dining, shopping and community conveniences. Nearby Tri-Township Park District Office provides access to an impressive collection of recreational amenities, including walking trails, playgrounds, sports fields and courts, fishing, a skate park, petting zoo, pavilions and community recreation. Here, you can enjoy peaceful waterfront surroundings while remaining close to schools, recreation, downtown Troy and everyday amenities. Whether you're entertaining friends, working from home, relaxing by the fireplace or heading down to the dock, this home offers more than a place to live, it offers a lifestyle. Schedule your private tour and experience waterfront living for yourself! All photos depicting furnished rooms have been virtually staged for illustrative purposes.

531 Taake Ln, Troy
32 Oakbrooke, Troy
$359,900
3 Beds ⋅ 3 Baths ⋅ 26056215 MLS ⋅ ACTIVE UNDER CONTRACT Status
Welcome to this exceptionally maintained ranch style home in the desirable Meadowbrooke neighborhood. Step into the spacious foyer featuring glistening hard wood flooring that extends the hall and great room, highlighted by vaulted ceiling and gas fireplace. The kitchen offers stainless steel appliances, pantry, and a breakfast area that opens onto the backyard deck. Convenient main level laundry with washer and dryer included. The primary suite includes a walk-in closet, double vanity, jetted tub and separate shower and private access to the the second deck. The lower level recreation area with wet bar refrigerator and pool table create an inviting space for gathering with family and friends You'll also find a bonus room and flexible space for a home office, play room, or workout area and a storage room with cabinets, shelving, and dual sump pump with alarm. The hobbyist will enjoy two workshop spaces, one in the three-car garage and another at the rear of the property in the 16 x 10 shed. Come experience the comfort and care throughout this beautifully maintained home

32 Oakbrooke, Troy
614 S Main St, Troy
$265,000
3 Beds ⋅ 3 Baths ⋅ 26056031 MLS ⋅ ACTIVE UNDER CONTRACT Status
Welcome to 614 S Main, a charming brick home situated on a desirable corner lot in the heart of Troy! Offering over 2,500 sq ft of living space, this 3-bedroom, 3-full-bath home beautifully blends original character with thoughtful modern updates. Step inside to find original hardwood and tile flooring, coved ceilings, rounded archways, and a gas fireplace that create a warm and inviting living room. The updated kitchen features stainless steel appliances, abundant cabinetry, and plenty of windows overlooking the backyard. Three main-level bedrooms share two updated full bathrooms, including one with a dual vanity, while the second offers a more rustic character and is conveniently located just off the mudroom. The finished lower level provides over 1,000 sq ft of additional living and entertaining space, complete with a recreation area, additional flexible space, a second kitchen, and a full bathroom. This expansive lower level offers endless possibilities for gatherings, hobbies, guests, or additional living space. A finished attic adds even more flexibility to the home. Outside, enjoy the level backyard, large concrete patio, and mature shade trees—perfect for relaxing or entertaining. The attached garage provides additional storage, while the driveway offers convenient access from the side road. Additional updates include lighting and electrical improvements throughout the home. Full of character, space, and possibilities, this beautiful brick Troy charmer offers the combination of original details, modern updates, and versatile living space you've been looking for! Seller offering $2500 in closing costs. Seller does not use the fireplace and is sold as-is. Buyer to verify all MLS information and measurements.

614 S Main St, Troy
16 Sequoia Dr, Troy
$374,900
5 Beds ⋅ 3 Baths ⋅ 26056148 MLS ⋅ ACTIVE UNDER CONTRACT Status
Tucked away on a spacious cul-de-sac lot, this two-story home offers 5 bedrooms, 3 full bathrooms, an inground pool, and an abundance of living and entertaining space inside and out! A large front yard and fresh landscaping welcome you into a home filled with character, including original hardwood floors and an open layout connecting the kitchen, breakfast area, and impressive two-story family room. Skylights, a wood-plank ceiling, bay window, built-in shelving, and a wood-burning fireplace make this space truly stand out. The main level offers exceptional flexibility with an oversized office featuring glass French doors that could also serve as a formal living room or additional flex space, a separate dining room, main-level bedroom, full bathroom, and laundry room. The kitchen features stainless steel appliances, while updated LVP flooring extends through the garage entry, laundry, and bath areas. Upstairs, the spacious primary suite features vaulted ceilings, a walk-in closet, built-in makeup/vanity area, and private bath with dual sinks and a skylight. 2 additional bedrooms and another full bathroom complete the second level. The completely refinished lower level adds even more usable living space with LVP flooring, a large family/rec room, extra bonus space, and 5th bedroom. Step outside to a backyard made for entertaining! A wraparound wood deck overlooks the inground swimming pool, privacy-fenced yard, mature trees, and fire pit area, with plenty of room to gather, relax, and enjoy the outdoors. With its generous room sizes, flexible floor plan, distinctive architectural details, large lot, and backyard amenities, this home offers so much potential. Bring your personal touches and a little TLC to make this spacious property your own!

16 Sequoia Dr, Troy
2026 Serenade Ln, Troy
$360,000
3 Beds ⋅ 2 Baths ⋅ 26055510 MLS ⋅ ACTIVE Status
Welcome to this beautiful ranch home in Serenade Villas! Less than three years old, this 3-bedroom, 2-bath home offers modern finishes, an open floor plan, and convenient one-level living. The brick and stone exterior adds curb appeal. Inside, the spacious main living area features vaulted ceilings and a gas fireplace with a shiplap surround, creating a warm focal point in the living room. The kitchen overlooks the living room and includes a center island, ample cabinetry, and stainless-steel appliances. The sliding glass door in the dining area opens to a covered porch, providing an inviting space to enjoy your morning coffee or relax outdoors. The primary suite has a private ensuite bath with a walk-in shower and dual vanities, along with a spacious walk-in closet. The seller has upgraded the home with a tankless water heater and added a water softener. Located in a 55+ community, this home combines newer construction with comfortable, low-maintenance living. Some photos have been virtually staged.

2026 Serenade Ln, Troy
Start Your Search