198 Oaktree Ln, Troy, MO 63379 Property Records

Lincoln County property record for 198 Oaktree Ln, Troy, MO 63379

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,960 sqft · built 1986
Lot Size	5.91 acres (257,440 sqft)
Owner	2 Individual Names on Record
Tax Bill	$978 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-20-09-000-000-005.003`

Property Details

APN / Parcel Number

Primary APN	`19-20-09-000-000-005.003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,960 sqft Living Area
Basement Area	1,470 sqft
Unfinished Basement	1,470 sqft
Flooring	Combination, Other

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Mobile Home
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	257,440 sqft (5.91 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	198 OAKTREE LN
City	TROY
State	MO
Zip	63379-3812
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 4 TIMBER LANE WOODS: EXCEPT 0.09 ACRES OFF N END
Legal Range	01W
Legal Township	48N
Legal Section	09
Legal Subdivision	TIMBER LANE WOODS
Legal Lot Number	4
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	3
Census Block	3062
Census Tract	810203

Owner

Source: Lincoln County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	198 OAKTREE LN, TROY, MO 63379-3812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF OLD MONROE
Aug 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK
Jul 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage NBH BANK NA
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK
Feb 28, 2019	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2019
Deed Sale	Feb 28, 2019
Deed Document Number	20191514
Deed Book / Page	2431 / 689
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	198 OAKTREE LN, TROY, MO 63379-3812
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 OAKTREE LN, TROY, MO 63379-3812

Mortgage

Document Number	002491/894
Date	Jul 6, 2023
Book Page	2491/894
Instrument	2023005094

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	198 OAKTREE LN, TROY, MO 63379-3812
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	L COUNTY TITLE, ALL COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02426/0395
Date	Aug 29, 2018
Book Page	2426/0395
Instrument	2018007789

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	198 OAKTREE LN, TROY, MO 63379-3812
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02435/0425
Date	Jul 1, 2019
Book Page	2435/0425
Instrument	2019005287

Lender

Name	NBH BANK NA
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2039

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	198 OAKTREE LN, TROY, MO 63379-3812
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 OAKTREE LN, TROY, MO 63379-3812

Mortgage

Document Number	002473/842
Date	Dec 20, 2021
Book Page	2473/842
Instrument	2021016431

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	HANNIBAL, MO 63401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2042

February 2019: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 28, 2019
Property Address	198 OAKTREE LN, TROY, MO 63379-3812
Document Number	02431/0689
Book / Page	2431 / 0689
Map Reference	MB 10 PG 39
Instrument Date	Feb 28, 2019
Instrument	2019001514
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	198 OAKTREE LN, TROY, MO 63379-3812

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 11, 2025

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
2025	$978.00 (+2.19%)	$16,908 (+9.46%) Land $8,246 Building $8,662	$88,990 (+9.46%) Land $43,400 Building $45,590
2023	$957.00 (+3.01%)	$15,447 (+3.55%) Land $7,600 Building $7,847	$81,300 (+3.55%) Land $40,000 Building $41,300
2022	$929.00	$14,917 Land $7,600 Building $7,317
2021			$78,510 Land $40,000 Building $38,510

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	1 in force

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	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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