2 Cedar Lake Ct, Troy, MO 63379 Property Records

Lincoln County property record for 2 Cedar Lake Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,219 sqft · built 2020
Lot Size	2.37 acres (103,237 sqft)
Owner	2 Individual Names on Record
Last Sale	$508,900 (Jul 2020)
Tax Bill	$4,228 (2025)
Deeds & Mortgages	Apr 2020 Construction Loan Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-60-23-000-000-015.014`

Property Details

APN / Parcel Number

Primary APN	`19-60-23-000-000-015.014`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,219 sqft Living Area
Basement Area	2,219 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Roof Type	Gable
Roof Material	Asphalt
Lot Area	103,237 sqft (2.37 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2 CEDAR LAKE CT
City	TROY
State	MO
Zip	63379-3891
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 PINE LAKE ESTATES
Legal Range	01W
Legal Township	48N
Legal Section	23
Legal Subdivision	PINE LAKE ESTATES
Legal Lot Number	14
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2001
Census Tract	810308

Owner

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	2 Individual Names on Record
Mailing Address	2 CEDAR LAKE CT, TROY, MO 63379-3891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2020	Deed of Trust, Mortgage · Construction Mortgage BANK OF OLD MONROE
Jul 21, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 20, 2020	Warranty Deed, Transfer
May 21, 2019	Warranty Deed, Transfer · ARM US BANK NA
Feb 7, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2020 · Amount on Record
Deed Sale	Jul 21, 2020 · Amount on Record
Prior Sale	Mar 20, 2020
Deed Document Number	20207832
Deed Book / Page	2449 / 791
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	2 CEDAR LAKE CT, TROY, MO 63379-3891
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2445/625
Date	Apr 16, 2020
Book Page	2445/625
Instrument	2020003634

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 21, 2020
Property Address	2 CEDAR LAKE CT, TROY, MO 63379-3891
Document Number	2449/791
Book / Page	2449 / 791
Map Reference	MB 13 PG 172
Instrument Date	Jul 21, 2020
Instrument	2020007832
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 CEDAR LAKE CT, TROY, MO 63379-3891

Mortgage

Document Number	2020007833
Date	Jul 21, 2020
Instrument	2020007833

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Mar 20, 2020
Property Address	2 CEDAR LAKE CT, TROY, MO 63379-3891
Document Number	2444/728
Book / Page	2444 / 728
Map Reference	MB 13 PG 167
Instrument Date	Mar 19, 2020
Instrument	2020002734
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	May 21, 2019
Property Address	2 CEDAR LAKE CT, TROY, MO 63379-3891
Document Number	2434/0100
Book / Page	2434 / 0100
Map Reference	MB 13 PG 172
Instrument Date	May 14, 2019
Instrument	2019003952
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 PINE LAKE DR, 81, TROY, MO 63379-3885

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 GLEN MEADOWS DR, TROY, MO 63379-3474

Mortgage

Document Number	2019003953
Date	May 21, 2019
Instrument	2019003953

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 7, 2018
Property Address	2 CEDAR LAKE CT, TROY, MO 63379-3891
Document Number	2419/0665
Book / Page	2419 / 0665
Map Reference	MB13 PG167
Instrument Date	Jan 25, 2018
Instrument	2018001017
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	71 PINE LAKE DR, 71, TROY, MO 63379-3885

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 PINE LAKE DR, TROY, MO 63379-3885

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		$69,183 (-) Land $9,215 Building $59,968
2025	$4,228.00 (+9.03%)	$69,183 (+10.54%) Land $9,215 Building $59,968	$364,120 (+10.54%) Land $48,500 Building $315,620
2023	$3,878.00 (+4.87%)	$62,586 Land $7,315 Building $55,271	$329,400 Land $38,500 Building $290,900
2022	$3,698.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · river or lake flooding

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	0.06% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
Brightspeed Fixed Wireless	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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