161 White Oak Estates Dr, Troy, MO 63379 Property Records

Lincoln County property record for 161 White Oak Estates Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,495 sqft · built 1989
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$247,400 (Aug 2018)
Tax Bill	$2,301 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2019 Transfer + 1 more
Flood Zone	Zone A (high risk)
APN	`15-50-22-000-000-025.000`

Property Details

APN / Parcel Number

Primary APN	`15-50-22-000-000-025.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,495 sqft Living Area
Basement Area	1,495 sqft
Unfinished Basement	1,495 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	174,240 sqft (4 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	161 WHITE OAK ESTATES DR
City	TROY
State	MO
Zip	63379-3143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 WHITE OAK ESTATES
Legal Range	01W
Legal Township	49N
Legal Section	22
Legal Subdivision	WHITE OAK EST
Legal Lot Number	9
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1034
Census Tract	810306

Owner

161 White Oak Estates Dr is owned and occupied by two individuals who acquired it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	161 WHITE OAK ESTATES DR, TROY, MO 63379-3143
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
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 17, 2019	Intrafamily Transfer, Transfer
Aug 16, 2018	Special Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2018 · Amount on File
Deed Sale	Aug 16, 2018 · Amount on File
Deed Document Number	20187391
Deed Book / Page	2425 / 999
Last Transfer Date	May 17, 2019
Transfer Doc	0000003845
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	161 WHITE OAK ESTATES DR, TROY, MO 63379-3143
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2460/452
Date	Mar 4, 2021
Book Page	2460/452
Instrument	2021002953

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	336 Months
Due	Mar 1, 2049

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	May 17, 2019
Property Address	161 WHITE OAK ESTATES DR, TROY, MO 63379-3143
Document Number	02433/0993
Book / Page	2433 / 0993
Instrument Date	May 17, 2019
Instrument	2019003845
Transaction Type	Transfer
Record Updated	Sep 29, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 WHITE OAK ESTATES DR, TROY, MO 63379-3143

August 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Aug 16, 2018
Property Address	161 WHITE OAK ESTATES DR, TROY, MO 63379-3143
Document Number	2425/0999
Book / Page	2425 / 0999
Map Reference	MB10 PG9
Instrument Date	Aug 10, 2018
Instrument	2018007391
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	161 WHITE OAK ESTATES DR, TROY, MO 63379-3143

Mortgage

Document Number	2018007392
Date	Aug 16, 2018
Instrument	2018007392

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 161 White Oak Estates Dr was $2,301.

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		$37,654 (-) Land $9,785 Building $27,869
2025	$2,301.00	$37,654 Land $9,785 Building $27,869	$198,180 Land $51,500 Building $146,680
2023	$2,140.00 (+3.98%)	$34,538 Land $8,265 Building $26,273	$181,780 Land $43,500 Building $138,280
2022	$2,058.00

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 161 White Oak Estates Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 161 White Oak Estates Dr 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

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

Cell Coverage

5G and 4G LTE (outdoors only)

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