191 Gardenia Dr, Troy, MO 63379 Property Records

Lincoln County property record for 191 Gardenia Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,282 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Jun 2015)
Tax Bill	$2,218 (2025)
Deeds & Mortgages	Dec 2012 Mortgage Mar 2011 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`19-10-02-000-000-004.076`

Property Details

APN / Parcel Number

Primary APN	`19-10-02-000-000-004.076`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,282 sqft Living Area
Basement Area	1,282 sqft
Unfinished Basement	1,282 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

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

Location & Zoning

Street Address	191 GARDENIA DR
City	TROY
State	MO
Zip	63379-3016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 76 ELM TREE ESTATES
Legal Range	01W
Legal Township	48N
Legal Section	02
Legal Subdivision	ELM TREE ESTATES
Legal Lot Number	76
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	1
Census Block	1004
Census Tract	810308

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	191 GARDENIA DR, TROY, MO 63379-3016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2012	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Mar 9, 2011	Deed of Trust, Mortgage · Conventional Mortgage CITIMORTGAGE INC
Jul 24, 2014	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK
Mar 31, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 3, 2025	Warranty Deed, Transfer
Jan 19, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF SPRINGFIELD
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2015 · Amount on Record
Deed Sale	Jun 30, 2015 · Amount on Record
Deed Document Number	20155141
Deed Book / Page	2389 / 535
Prior Transfer Date	Mar 30, 2011
Prior Transfer Doc	2189/0403
Record Updated	Oct 29, 2026

December 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	191 GARDENIA DR, TROY, MO 63379-3016
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02284/0432
Date	Dec 20, 2012
Book Page	2284/0432
Instrument	20120011732

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2028

March 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	191 GARDENIA DR, TROY, MO 63379-3016
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02186/0692
Date	Mar 9, 2011
Book Page	2186/0692
Instrument	20110001932

Lender

Name	CITIMORTGAGE INC
Type	Mortgage Company
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2031

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	191 GARDENIA DR, TROY, MO 63379-3016
Transaction Type	Mortgage
Record Updated	Jun 24, 2026
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02366/0864
Date	Jul 24, 2014
Book Page	2366/0864
Instrument	2014005214

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 30, 2029

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	191 GARDENIA DR, TROY, MO 63379-3016
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002452/863
Date	Sep 25, 2020
Book Page	2452/863
Instrument	2020010928

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	HANNIBAL, MO 63401

Agreement

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

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Mar 31, 2026
Property Address	191 GARDENIA DR, TROY, MO 63379-3016
Document Number	002519/927
Book / Page	2519 / 927
Map Reference	MB 14 PG 93
Instrument Date	Mar 25, 2026
Instrument	2026002845
Transaction Type	Transfer
Record Updated	Jun 24, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 GARDENIA DR, TROY, MO 63379-3016

Mortgage

Document Number	2026002846
Date	Mar 31, 2026
Instrument	2026002846

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 3, 2025
Property Address	191 GARDENIA DR, TROY, MO 63379-3016
Document Number	002511/648
Book / Page	2511 / 648
Map Reference	MB 14 PG 93
Instrument Date	Jun 29, 2025
Instrument	2025005158
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1000, 1000, TEMPE, AZ 85288-7095
Investor	Possibly a Property Investor

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jan 19, 2022
Property Address	191 GARDENIA DR, TROY, MO 63379-3016
Document Number	002474/951
Book / Page	2474 / 951
Map Reference	MB 14 PG 93
Instrument Date	Jan 6, 2022
Instrument	2022000667
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	171 E COMMON ST APT 1, 171, NEW BRAUNFELS, TX 78130-4479

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 GARDENIA DR, TROY, MO 63379-3016

Mortgage

Document Number	2022000668
Date	Jan 19, 2022
Instrument	2022000668

Lender

Name	BANK OF SPRINGFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	191 GARDENIA DR, TROY, MO 63379-3016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2452/863
Date	Sep 25, 2020
Book Page	2452/863
Instrument	2020010928

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	HANNIBAL, MO 63401

Agreement

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

Tax Assessment & Valuation

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		$37,587 (+3.57%) Land $4,761 Building $32,826
2025	$2,218.00 (+5.92%)	$36,291 (+7.39%) Land $4,761 Building $31,530	$197,830 (+11.22%) Land $25,060 Building $172,770
2023	$2,094.00 (+5.76%)	$33,795 Land $4,047 Building $29,748	$177,870 Land $21,300 Building $156,570
2022	$1,980.00

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

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

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.

Internet Providers

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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