18 Millstone Lake Dr, Winfield, MO 63389 Property Records

Lincoln County property record for 18 Millstone Lake Dr, Winfield, MO 63389

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,470 sqft · built 2018
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$251,700 (Mar 2019)
Tax Bill	$2,882 (2025)
Deeds & Mortgages	May 2018 Line of Credit Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-60-23-002-002-004.015`

Property Details

APN / Parcel Number

Primary APN	`14-60-23-002-002-004.015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,470 sqft Living Area
Basement Area	1,470 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	18 MILLSTONE LAKE DR
City	WINFIELD
State	MO
Zip	63389-2985
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 MILLSTONE LAKE, PLAT 14/75
Legal Range	01E
Legal Township	49N
Legal Section	23
Legal Subdivision	MILLSTONE LAKE
Legal Lot Number	5
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3005
Census Tract	810310

Owner

18 Millstone Lake Dr is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	18 MILLSTONE LAKE DR, WINFIELD, MO 63389-2985
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
May 18, 2018	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Nov 17, 2023	Beneficiary Deed, Transfer
Mar 11, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2019 · Amount on File
Deed Sale	Mar 11, 2019 · Amount on File
Deed Document Number	20191781
Deed Book / Page	2431 / 955
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	18 MILLSTONE LAKE DR, WINFIELD, MO 63389-2985
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02422/0881
Date	May 18, 2018
Book Page	2422/0881
Instrument	2018004247

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	18 MILLSTONE LAKE DR, WINFIELD, MO 63389-2985
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 MILLSTONE LAKE DR, WINFIELD, MO 63389-2985

Mortgage

Document Number	002467/237
Date	Jul 21, 2021
Book Page	2467/237
Instrument	2021009788

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

November 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 17, 2023
Property Address	18 MILLSTONE LAKE DR, WINFIELD, MO 63389-2985
Document Number	002495/614
Book / Page	2495 / 614
Map Reference	MB 14 PG 75 8
Instrument Date	Nov 17, 2023
Instrument	2023008867
Transaction Type	Transfer
Record Updated	Feb 20, 2024

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	18 MILLSTONE LAKE DR, WINFIELD, MO 63389-2985

March 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Mar 11, 2019
Property Address	18 MILLSTONE LAKE DR, WINFIELD, MO 63389-2985
Document Number	02431/0955
Book / Page	2431 / 0955
Map Reference	MB 14 PG 75
Instrument Date	Mar 1, 2019
Instrument	2019001781
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 20, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 AUSTIN OAKS DR, MOSCOW MILLS, MO 63362-0400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 MILLSTONE LAKE DR, WINFIELD, MO 63389-2985

Mortgage

Document Number	2019001782
Date	Mar 11, 2019
Instrument	2019001782

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 18 Millstone Lake Dr was $2,882.

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		$47,156 (-) Land $6,080 Building $41,076
2025	$2,882.00	$47,156 Land $6,080 Building $41,076	$248,190 Land $32,000 Building $216,190
2023	$2,533.00 (+5.72%)	$40,886 Land $5,130 Building $35,756	$215,190 Land $27,000 Building $188,190
2022	$2,396.00

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 18 Millstone Lake Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 5, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 18 Millstone Lake Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 1 serves 14,000 people · EPA ID MO6024340
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 98 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
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Gateway Fiber.

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