1 Cuivre River Dr, Troy, MO 63379 Property Records

Lincoln County property record for 1 Cuivre River Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,342 sqft · built 2005
Lot Size	0.345 acres (15,028 sqft)
Owner	2 Individual Names on File
Last Sale	$171,000 (Jan 2020)
Tax Bill	$2,212 (2025)
Deeds & Mortgages	Aug 2005 Mortgage Nov 2023 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`14-50-21-000-000-032.101`

Property Details

APN / Parcel Number

Primary APN	`14-50-21-000-000-032.101`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,342 sqft Living Area
Basement Area	1,342 sqft
Unfinished Basement	1,342 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,028 sqft (0.345 acres)
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1 CUIVRE RIVER DR
City	TROY
State	MO
Zip	63379-5535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 CUIVRE VALLEY
Legal Range	01E
Legal Township	49N
Legal Section	21
Legal Subdivision	CUIVRE VALLEY
Legal Lot Number	1
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3017
Census Tract	810310

Owner

1 Cuivre River Dr is owned and occupied by two individuals who bought it in January 2020.

Source: Lincoln County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2005	Deed of Trust, Mortgage · Conventional Mortgage FRONTONAC BANK
Nov 28, 2023	Deed of Trust, Mortgage REGIONS BANK
Dec 27, 2024	Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK OF MISSOURI
Apr 16, 2026	Deed, Transfer
Oct 23, 2023	Intrafamily Transfer, Transfer
Jan 28, 2020	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jan 28, 2020	Intrafamily Transfer, Transfer SYNERGY TITLE
Jul 9, 2018	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Feb 21, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2020 · Amount on File
Deed Sale	Jan 28, 2020 · Amount on File
Prior Sale	Jul 9, 2018 · Amount on File
Deed Document Number	2020904
Deed Book / Page	2442 / 907
Prior Transfer Date	Jan 27, 2020
Prior Transfer Doc	002442/906
Record Updated	Oct 29, 2026

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01784/0561
Date	Aug 30, 2005
Book Page	1784/0561
Instrument	20050011429

Lender

Name	FRONTONAC BANK
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535

Mortgage

Document Number	002495/778
Date	Nov 28, 2023
Book Page	2495/778
Instrument	2023009035

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2043

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535
Transaction Type	Mortgage
Record Updated	Jun 24, 2026
Title Company	MEYER TITLE COMPANY, MEYER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535

Mortgage

Document Number	002506/451
Date	Dec 27, 2024
Book Page	2506/451
Instrument	2024009871

Lender

Name	COMMUNITY STATE BANK OF MISSOURI
Type	Bank
Address	BOWLING GREEN, MO 63334

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Dec 16, 2025

Interest

Rate Type	Adjustable Rate

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN MO
Recording Date	Apr 16, 2026
Property Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535
Document Number	002520/676
Book / Page	2520 / 676
Instrument Date	Apr 16, 2026
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Oct 23, 2023
Property Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535
Document Number	002494/896
Book / Page	2494 / 896
Map Reference	MB 14 PG 17-24
Instrument Date	Oct 20, 2023
Instrument	2023008139
Transaction Type	Transfer
Record Updated	Nov 29, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	142 PINE TREE MANOR DR, MOSCOW MILLS, MO 63362-3300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jan 28, 2020
Property Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535
Document Number	002442/907
Book / Page	2442 / 907
Map Reference	MB 14 PG 17-24
Instrument Date	Jan 27, 2020
Instrument	2020000904
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	572 PLYMOUTH TERRACE DR, EUREKA, MO 63025-1659

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535

Mortgage

Document Number	2020000905
Date	Jan 28, 2020
Instrument	2020000905

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Jan 28, 2020
Property Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535
Document Number	002442/906
Book / Page	2442 / 906
Map Reference	MB 14 PG 17-24
Instrument Date	Jan 27, 2020
Instrument	2020000903
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	572 PLYMOUTH TERRACE DR, EUREKA, MO 63025-1659

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 9, 2018
Property Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535
Document Number	02424/0597
Book / Page	2424 / 0597
Map Reference	MB14 PG17-24
Instrument Date	Jul 6, 2018
Instrument	2018005978
Transaction Type	Transfer
Record Updated	Nov 29, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	904 HIGHWAY A, HAWK POINT, MO 63349-2038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535

Mortgage

Document Number	2018005980
Date	Jul 9, 2018
Instrument	2018005980

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

February 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 21, 2017
Property Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535
Document Number	02408/0007
Book / Page	2408 / 0007
Map Reference	MB14 PG17-24
Instrument Date	Feb 15, 2017
Instrument	2017001426
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 29, 2023
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	223 N MAIN ST, SAINT CHARLES, MO 63301-2828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CUIVRE RIVER DR, TROY, MO 63379-5535

Mortgage

Document Number	2017001427
Date	Feb 21, 2017
Instrument	2017001427

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1 Cuivre River Dr was $2,212.

Source: Lincoln County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Unified School District	Troy R-III School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$36,524 (+0.89%) Land $4,946 Building $31,578
2025	$2,212.00	$36,203 Land $4,946 Building $31,257	$192,230 Land $26,030 Building $166,200
2023	$2,068.00 (+4.76%)	$33,372 Land $4,186 Building $29,186	$175,640 Land $22,030 Building $153,610
2022	$1,974.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1 Cuivre River Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 5, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1 Cuivre River Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.03% 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	LINCOLN COUNTY PWSD 1 serves 14,000 people · EPA ID MO6024340
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Systec Wireless Communications, Wisper ISP.

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