1404 Elm Tree Rd, Troy, MO 63379 Property Records

Lincoln County property record for 1404 Elm Tree Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,022 sqft · built 1969
Lot Size	20.5 acres (896,465 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,555 (2025)
Deeds & Mortgages	Jun 2026 Sale Jun 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-10-02-000-000-013.004`

Property Details

APN / Parcel Number

Primary APN	`19-10-02-000-000-013.004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,022 sqft Living Area
Basement Area	2,282 sqft
Unfinished Basement	2,282 sqft
Flooring	Combination, Other

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	896,465 sqft (20.5 acres)
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1404 ELM TREE RD
City	TROY
State	MO
Zip	63379-3332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20.58 AC PT OF THE W1/2 SW1/4 OF SEC 2
Legal Range	01W
Legal Township	48N
Legal Section	02
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2000
Census Tract	810308

Owner

1404 Elm Tree Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1404 ELM TREE RD, TROY, MO 63379-3332
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
Jun 23, 2026	Deed, Transfer
Jun 23, 2026	Deed, Transfer
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF OLD MONROE
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF OLD MONROE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 23, 2026
Property Address	1404 ELM TREE RD, TROY, MO 63379-3332
Document Number	2522000940
Book / Page	2522 / 940
Instrument Date	Jun 23, 2026
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

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	1404 ELM TREE RD, TROY, MO 63379-3332

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 23, 2026
Property Address	1404 ELM TREE RD, TROY, MO 63379-3332
Document Number	2522000938
Book / Page	2522 / 938
Instrument Date	Jun 23, 2026
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

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	1404 ELM TREE RD, TROY, MO 63379-3332

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1404 ELM TREE RD, TROY, MO 63379-3332
Transaction Type	Mortgage
Record Updated	Sep 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 ELM TREE RD, TROY, MO 63379-3332

Mortgage

Document Number	002481/229
Date	Jul 1, 2022
Book Page	2481/229
Instrument	2022006980

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1404 ELM TREE RD, TROY, MO 63379-3332
Transaction Type	Mortgage
Record Updated	Jan 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 ELM TREE RD, TROY, MO 63379-3332

Mortgage

Document Number	002471/728
Date	Nov 1, 2021
Book Page	2471/728
Instrument	2021014307

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1404 Elm Tree Rd was $3,555.

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		$60,247 (-0.08%) Land $5,820 Building $54,427
2025	$3,555.00	$60,298 Land $5,871 Building $54,427	$317,090 Land $30,630 Building $286,460
2023	$3,342.00 (+4.7%)	$56,299 Land $5,643 Building $50,656	$296,310 Land $29,700 Building $266,610
2022	$3,192.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1404 Elm Tree Rd 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 1404 Elm Tree Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Gateway Fiber, Systec Wireless Communications.

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