172 Wingate Dr, Troy, MO 63379 Property Records

Lincoln County property record for 172 Wingate Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,385 sqft · built 2004
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,162 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-80-33-000-000-026.029`

Property Details

APN / Parcel Number

Primary APN	`15-80-33-000-000-026.029`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,385 sqft Living Area
Basement Area	1,385 sqft
Unfinished Basement	1,385 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	172 WINGATE DR
City	TROY
State	MO
Zip	63379-3978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 29 WINGATE ESTATES
Legal Range	01W
Legal Township	49N
Legal Section	33
Legal Subdivision	WINGATE
Legal Lot Number	29
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1031
Census Tract	810203

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	172 WINGATE DR, TROY, MO 63379-3978
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 28, 2019	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	172 WINGATE DR, TROY, MO 63379-3978
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 WINGATE DR, TROY, MO 63379-3978

Mortgage

Document Number	2469/629
Date	Sep 15, 2021
Book Page	2469/629
Instrument	2021012190

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	10 Months
Due	Sep 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	172 WINGATE DR, TROY, MO 63379-3978
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	ORTIG, ORT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2458/809
Date	Jan 28, 2021
Book Page	2458/809
Instrument	2021001298

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	172 WINGATE DR, TROY, MO 63379-3978
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2411/0416
Date	May 26, 2017
Book Page	2411/0416
Instrument	2017004860

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2037

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	172 WINGATE DR, TROY, MO 63379-3978
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2432/0437
Date	Mar 28, 2019
Book Page	2432/0437
Instrument	2019002272

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	172 WINGATE DR, TROY, MO 63379-3978
Transaction Type	Mortgage
Record Updated	Jul 22, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2447/45
Date	May 21, 2020
Book Page	2447/45
Instrument	2020005071

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Municipality	Troy City
Unified School District	Troy R-III School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$34,426 (-) Land $4,562 Building $29,864
2025	$2,162.00 (+6.55%)	$34,426 (+7.92%) Land $4,562 Building $29,864	$181,190 (+7.92%) Land $24,010 Building $157,180
2023	$2,029.00 (+4.8%)	$31,901 Land $3,859 Building $28,042	$167,900 Land $20,310 Building $147,590
2022	$1,936.00

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

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 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds, And 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 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.04% 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	TROY PWS serves 15,000 people · EPA ID MO6010798
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 87 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
Verizon Fixed Wireless	300 / 20

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

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