Lincoln County property record for 195 Cindy Ln, Winfield, MO 63389
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,451 sqft · built 2003 |
| Lot Size | 0.294 acres (12,807 sqft) |
| Owner | Trust Name on File |
| Last Sale | $161,600 (Aug 2021) |
| Tax Bill | $1,957 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-60-23-000-000-048.000 |
| Primary APN | 13-60-23-000-000-048.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,451 sqft Living Area |
| Basement Area | 1,451 sqft |
| Unfinished Basement | 1,451 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,807 sqft (0.294 acres) |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 195 CINDY LN |
|---|---|
| City | WINFIELD |
| State | MO |
| Zip | 63389-3334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 HIGHLAND ACRES |
| Legal Range | 2EW |
| Legal Township | 49N |
| Legal Section | 74 |
| Legal Subdivision | HIGHLAND ACRES |
| Legal Lot Number | 19 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 810401 |
195 Cindy Ln is held in a trust since August 2021.
Source: Lincoln County records, as of September 21, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 195 CINDY LN, WINFIELD, MO 63389-3334 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MLD MORTGAGE |
| Aug 3, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE SOLUTIONS LLC |
| Aug 3, 2021 | Quit Claim Deed, Transfer DUNE TITLE COMPANY LLC, TRUE TITLE CO LLC |
| Jul 29, 2020 | Intrafamily Transfer, Transfer |
| Apr 13, 2020 | Beneficiary Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2021 · Amount on File |
| Deed Sale | Aug 3, 2021 · Amount on File |
| Prior Sale | Apr 13, 2020 |
| Deed Document Number | 202110349 |
| Deed Book / Page | 2467 / 797 |
| Prior Transfer Date | Jul 23, 2021 |
| Prior Transfer Doc | 2467/799 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 195 CINDY LN, WINFIELD, MO 63389-3334 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002444/109 |
|---|---|
| Date | Mar 4, 2020 |
| Book Page | 2444/109 |
| Instrument | 2020002109 |
| Name | MLD MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FLORHAM PARK, NJ 07932 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Aug 3, 2021 |
| Property Address | 195 CINDY LN, WINFIELD, MO 63389-3334 |
| Document Number | 2467/797 |
| Book / Page | 2467 / 797 |
| Map Reference | MB 11 PG 160 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 2021010349 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | DUNE TITLE COMPANY LLC, TRUE TITLE CO LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 195 CINDY LN, WINFIELD, MO 63389-3334 |
| Document Number | 2021010350 |
|---|---|
| Date | Aug 3, 2021 |
| Instrument | 2021010350 |
| Name | MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Aug 3, 2021 |
| Property Address | 195 CINDY LN, WINFIELD, MO 63389-3334 |
| Document Number | 2467/799 |
| Book / Page | 2467 / 799 |
| Map Reference | MB 11 PG 160 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 2021010351 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | DUNE TITLE COMPANY LLC, TRUE TITLE CO LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 195 CINDY LN, WINFIELD, MO 63389-3334 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Jul 29, 2020 |
| Property Address | 195 CINDY LN, WINFIELD, MO 63389-3334 |
| Document Number | 2450/124 |
| Book / Page | 2450 / 124 |
| Map Reference | MB 11 PG 160 |
| Instrument Date | Jul 24, 2020 |
| Instrument | 2020008166 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 195 CINDY LN, WINFIELD, MO 63389-3334 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Apr 13, 2020 |
| Property Address | 195 CINDY LN, WINFIELD, MO 63389-3334 |
| Document Number | 002445/498 |
| Book / Page | 2445 / 498 |
| Map Reference | MB 11 PG 160 |
| Instrument Date | Apr 10, 2020 |
| Instrument | 2020003507 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 130 CINDY LN, WINFIELD, MO 63389-3335 |
| Name | Verified Name |
|---|---|
| Address | 195 CINDY LN, WINFIELD, MO 63389-3334 |
The 2025 property tax bill for 195 Cindy Ln was $1,957.
Source: Lincoln County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Municipality | Winfield City |
| Unified School District | Winfield R-IV School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $32,315 (-) Land $3,800 Building $28,515 | ||
| 2025 | $1,957.00 | $32,315 Land $3,800 Building $28,515 | $170,080 Land $20,000 Building $150,080 |
| 2023 | $1,791.00 (+6.48%) | $29,488 (+5.73%) Land $2,850 Building $26,638 | $155,200 Land $15,000 Building $140,200 |
| 2022 | $1,682.00 | $27,890 Land $2,850 Building $25,040 | |
| 2021 | $146,790 Land $15,000 Building $131,790 |
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 195 Cindy Ln in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1993.
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 |
| Flood Insurance Cost | Premium on File median of 33 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 24 (1993–2019) |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 195 Cindy Ln 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 62% of the US · lower than 69% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINFIELD PWS serves 1,489 people · EPA ID MO6010866 |
|---|---|
| Water Source | Purchased groundwater from LINCOLN COUNTY PWSD 1 |
| Last State Inspection | Dec 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected Jan 2022 |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
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