157 Spring Creek Rd, Troy, MO 63379 Property Records

Lincoln County property record for 157 Spring Creek Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,472 sqft · built 1975
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-50-22-000-000-002.000`

Property Details

APN / Parcel Number

Primary APN	`15-50-22-000-000-002.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,472 sqft Living Area
Basement Area	1,472 sqft
Unfinished Basement	1,472 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	187,308 sqft (4.3 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	157 SPRING CREEK RD
City	TROY
State	MO
Zip	63379-3147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.300 AC- NWNE NE COR PVT RD E OF HWY H
Legal Range	01W
Legal Township	49N
Legal Section	22
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1034
Census Tract	810306

Owner

157 Spring Creek 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	157 SPRING CREEK RD, TROY, MO 63379-3147
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
Apr 7, 2021	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Jul 22, 2020	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Apr 12, 2019	Deed of Trust, Mortgage · VA Mortgage HERITAGE COMMUNITY BANK

Assessor's Deed Record

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	157 SPRING CREEK RD, TROY, MO 63379-3147
Transaction Type	Mortgage
Record Updated	May 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2462/263
Date	Apr 7, 2021
Book Page	2462/263
Instrument	2021004772

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	157 SPRING CREEK RD, TROY, MO 63379-3147
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2449/816
Date	Jul 22, 2020
Book Page	2449/816
Instrument	2020007858

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2045

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	157 SPRING CREEK RD, TROY, MO 63379-3147
Transaction Type	Mortgage
Record Updated	May 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2432/0868
Date	Apr 12, 2019
Book Page	2432/0868
Instrument	2019002708

Lender

Name	HERITAGE COMMUNITY BANK
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 157 Spring Creek Rd was $2,178.

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		$35,648 (-) Land $8,398 Building $27,250
2025	$2,178.00	$35,648 Land $8,398 Building $27,250	$187,620 Land $44,200 Building $143,420
2023	$2,072.00 (+4.02%)	$33,436 Land $7,695 Building $25,741	$175,980 Land $40,500 Building $135,480
2022	$1,992.00

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

Flood

FEMA maps place 157 Spring Creek Rd in Zone X, an area of minimal flood risk.

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

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 157 Spring Creek Rd 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 62% of the US · lower than 67% of Missouri
Wildfire Likelihood	0.05% 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 2 serves 1,005 people · EPA ID MO6024341
Water Source	Purchased groundwater from TROY PWS
Last State Inspection	May 2023
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spring Creek Rd

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