Lincoln County property record for 181 Gardenia Dr, Troy, MO 63379
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,244 sqft · built 2006 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $172,200 (Jun 2015) |
| Tax Bill | $1,965 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-10-02-000-000-004.075 |
| Primary APN | 19-10-02-000-000-004.075 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,244 sqft Living Area |
| Basement Area | 1,244 sqft |
| Unfinished Basement | 1,244 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 181 GARDENIA DR |
|---|---|
| City | TROY |
| State | MO |
| Zip | 63379-3016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 75 ELM TREE ESTATES |
| Legal Range | 01W |
| Legal Township | 48N |
| Legal Section | 02 |
| Legal Subdivision | ELM TREE ESTATES |
| Legal Lot Number | 75 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | CLARK |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 810308 |
181 Gardenia Dr is owned and occupied by an individual who bought it in June 2015.
Source: Lincoln County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 181 GARDENIA DR, TROY, MO 63379-3016 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2015 · Amount on File |
| Deed Sale | Jun 5, 2015 · Amount on File |
| Prior Sale | Aug 30, 2007 · Amount on File |
| Deed Document Number | 20154351 |
| Deed Book / Page | 2388 / 750 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 181 GARDENIA DR, TROY, MO 63379-3016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2456/991 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 2456/991 |
| Instrument | 2020015095 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 181 Gardenia Dr was $1,965.
Source: Lincoln County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Unified School District | Troy R-III School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $32,148 (-) Land $4,761 Building $27,387 | ||
| 2025 | $1,965.00 | $32,148 Land $4,761 Building $27,387 | $169,200 Land $25,060 Building $144,140 |
| 2023 | $1,840.00 (+5.63%) | $29,701 Land $4,047 Building $25,654 | $156,320 Land $21,300 Building $135,020 |
| 2022 | $1,742.00 |
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.
FEMA maps place 181 Gardenia Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2021–2022) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2022 · rainfall accumulation |
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 risk around 181 Gardenia Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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