Lincoln County property record for 197 Main St, Winfield, MO 63389
| Property Type | Commercial |
|---|---|
| Details | 682 sqft · built 1989 |
| Lot Size | 0.177 acres (7,710 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $791 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-60-24-003-004-001.001 |
| Primary APN | 13-60-24-003-004-001.001 |
|---|
| Building Area | 682 sqft Total Area |
|---|
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 7,710 sqft (0.177 acres) |
| Street Address | 197 MAIN ST |
|---|---|
| City | WINFIELD |
| State | MO |
| Zip | 63389-1232 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | .177 AC (C) IN THE NE COR OF O.L.24 TOWN OF WINFIELD; S ALONG WALNUT S T |
| Legal Range | 02E |
| Legal Township | 49N |
| Legal Section | 74 |
| Legal Subdivision | WINFIELD |
| Legal Lot Number | 24 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 810401 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 94 AUSTIN OAKS DR, MOSCOW MILLS, MO 63362-0400 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 197 MAIN ST, WINFIELD, MO 63389-1232 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2026 |
| Name | Verified Name |
|---|---|
| Address | 94 AUSTIN OAKS DR, MOSCOW MILLS, MO 63362-0400 |
| Document Number | 002519/146 |
|---|---|
| Date | Mar 9, 2026 |
| Book Page | 2519/146 |
| Instrument | 2026002057 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | TROY, MO 63379 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $12,774 (-) Land $2,531 Building $10,243 | ||
| 2025 | $791.00 (+6.6%) | $12,774 (+6.9%) Land $2,531 Building $10,243 | $39,920 (+6.91%) Land $7,910 Building $32,010 |
| 2023 | $742.00 (+0.82%) | $11,949 Land $2,531 Building $9,418 | $37,340 Land $7,910 Building $29,430 |
| 2022 | $736.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% 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 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Wisper ISP.
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