120 Pine Lake Dr, Troy, MO 63379 Property Records

Lincoln County property record for 120 Pine Lake Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,477 sqft · built 2007
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$522,500 (Feb 2020)
Tax Bill	$4,950 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-60-23-000-000-015.026`

Property Details

APN / Parcel Number

Primary APN	`19-60-23-000-000-015.026`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,477 sqft Living Area
Basement Area	784 sqft
Unfinished Basement	414 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Contemporary
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	108,900 sqft (2.5 acres)
Garage Area	571 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	120 PINE LAKE DR
City	TROY
State	MO
Zip	63379-3887
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 PINE LAKE ESTATES
Legal Range	01W
Legal Township	48N
Legal Section	23
Legal Subdivision	PINE LAKE ESTATES
Legal Lot Number	26
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2001
Census Tract	810308

Owner

120 Pine Lake Dr is owned and occupied by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 PINE LAKE DR, TROY, MO 63379-3887
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
Feb 28, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Oct 15, 2019	Deed of Trust, Mortgage · Line of Credit HNB NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2020 · Amount on File
Deed Sale	Feb 28, 2020 · Amount on File
Prior Sale	Jan 18, 2007
Deed Document Number	20201964
Deed Book / Page	2443 / 964
Prior Transfer Date	Jan 13, 2012
Prior Transfer Doc	2228/0870
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 28, 2020
Property Address	120 PINE LAKE DR, TROY, MO 63379-3887
Document Number	2443/964
Book / Page	2443 / 964
Map Reference	MB 13 PG 172
Instrument Date	Feb 21, 2020
Instrument	2020001964
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 PINE LAKE DR, 120, TROY, MO 63379-3887

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	120 PINE LAKE DR, TROY, MO 63379-3887

Mortgage

Document Number	2020001965
Date	Feb 28, 2020
Instrument	2020001965

Lender

Name	US BANK NA
Type	Bank

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	120 PINE LAKE DR, TROY, MO 63379-3887
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	ALL COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2439/0364
Date	Oct 15, 2019
Book Page	2439/0364
Instrument	2019009254

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 120 Pine Lake Dr was $4,950.

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		$80,997 (-) Land $9,215 Building $71,782
2025	$4,950.00	$80,997 Land $9,215 Building $71,782	$426,300 Land $48,500 Building $377,800
2023	$4,678.00 (+4.96%)	$75,491 Land $7,315 Building $68,176	$397,320 Land $38,500 Building $358,820
2022	$4,457.00

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 120 Pine Lake Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

Source: FEMA National Flood Hazard Layer, effective October 5, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 120 Pine Lake Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
Brightspeed Fixed Wireless	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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