1408 Elm Tree Rd, Troy, MO 63379 Property Records

Lincoln County property record for 1408 Elm Tree Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,966 sqft · built 2000
Lot Size	2.7 acres (117,612 sqft)
Owner	2 Individual Names on Record
Last Sale	$357,300 (Apr 2020)
Tax Bill	$3,644 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2006 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`19-10-02-000-000-013.002`

Property Details

APN / Parcel Number

Primary APN	`19-10-02-000-000-013.002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,966 sqft Living Area
Basement Area	1,966 sqft
Unfinished Basement	1,966 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	117,612 sqft (2.7 acres)
Garage Type	Mixed
Garage Area	1,498 sqft
Parking Spaces	5 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1408 ELM TREE RD
City	TROY
State	MO
Zip	63379-3332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.70 AC IN THE NW COR OF THE NWSW 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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1408 ELM TREE RD, TROY, MO 63379-3332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Deed of Trust, Mortgage · VA Mortgage PNC BANK NA
Sep 19, 2006	Deed of Trust, Mortgage JLB CORP
Jan 13, 2014	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 18, 2025	Beneficiary Deed, Transfer
Sep 4, 2025	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SOLUTIONS LLC
Jun 13, 2024	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Apr 7, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2020 · Amount on Record
Deed Sale	Apr 7, 2020 · Amount on Record
Deed Document Number	20203333
Deed Book / Page	2445 / 324
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1408 ELM TREE RD, TROY, MO 63379-3332
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 ELM TREE RD, TROY, MO 63379-3332
Investor	Possibly a Property Investor

Mortgage

Document Number	002476/182
Date	Feb 24, 2022
Book Page	2476/182
Instrument	2022001902

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1408 ELM TREE RD, TROY, MO 63379-3332
Transaction Type	Mortgage
Record Updated	Apr 8, 2026
Title Company	FREEDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01889/0211
Date	Sep 19, 2006
Book Page	1889/0211
Instrument	20060012046

Lender

Name	JLB CORP
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded

January 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1408 ELM TREE RD, TROY, MO 63379-3332
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02344/0013
Date	Jan 13, 2014
Book Page	2344/0013

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2043

November 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 18, 2025
Property Address	1408 ELM TREE RD, TROY, MO 63379-3332
Document Number	002515/871
Book / Page	2515 / 871
Instrument Date	Nov 14, 2025
Instrument	2025009436
Transaction Type	Transfer
Record Updated	Apr 8, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1408 ELM TREE RD, TROY, MO 63379-3332

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Sep 4, 2025
Property Address	1408 ELM TREE RD, TROY, MO 63379-3332
Document Number	002513/541
Book / Page	2513 / 541
Instrument Date	Aug 6, 2025
Instrument	2025007075
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	SECURITY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 DATLAS PARKWAY #101101, 101101, GRAND PRAIRIE, TX 75054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 ELM TREE RD, TROY, MO 63379-3332

Mortgage

Document Number	002513/542
Date	Sep 4, 2025
Book Page	2513/542
Instrument	2025007076

Lender

Name	MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	SAINT CHARLES, MO 63304

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	8%
Index	SOFR Average 30-Day
Margin	2
Max Rate	11%

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 13, 2024
Property Address	1408 ELM TREE RD, TROY, MO 63379-3332
Document Number	002501/135
Book / Page	2501 / 135
Instrument Date	Jun 7, 2024
Instrument	2024004470
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	SURITY TITLE, SECURITY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22969 S STATE HIGHWAY 47, WARRENTON, MO 63383-6945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 ELM TREE RD, TROY, MO 63379-3332
Investor	Possibly a Property Investor

Mortgage

Document Number	2024004471
Date	Jun 13, 2024
Instrument	2024004471

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2054

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Apr 7, 2020
Property Address	1408 ELM TREE RD, TROY, MO 63379-3332
Document Number	002445/324
Book / Page	2445 / 324
Instrument Date	Apr 1, 2020
Instrument	2020003333
Transaction Type	Transfer
Record Updated	Apr 8, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1408 ELM TREE RD, TROY, MO 63379-3332

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1408 ELM TREE RD, TROY, MO 63379-3332
Investor	Possibly a Property Investor

Mortgage

Document Number	2020003336
Date	Apr 7, 2020
Instrument	2020003336

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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		$60,331 (+1.18%) Land $5,216 Building $55,115
2025	$3,644.00 (+6.05%)	$59,630 (+7.53%) Land $5,216 Building $54,414	$317,530 (+8.79%) Land $27,450 Building $290,080
2023	$3,436.00 (+5.89%)	$55,455 Land $4,845 Building $50,610	$291,870 Land $25,500 Building $266,370
2022	$3,245.00

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

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

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

Wildfire Risk	Low lower than 62% of the US · lower than 69% 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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

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