220 Brake Rd, Troy, MO 63379 Property Records

Lincoln County property record for 220 Brake Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,872 sqft · built 2020
Lot Size	17.8 acres (776,675 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,105 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-80-33-000-000-023.001`

Property Details

APN / Parcel Number

Primary APN	`08-80-33-000-000-023.001`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,872 sqft Living Area
Basement Area	1,350 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	776,675 sqft (17.8 acres)
Garage Type	Mixed
Garage Area	2,668 sqft
Parking Spaces	9 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	220 BRAKE RD
City	TROY
State	MO
Zip	63379-4877
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17.83 AC OF 23.267 AC TOTAL WITHIN THE S PT OF THE S1/2 SECT 33 - SURVEY D1/58
Legal Range	01W
Legal Township	50N
Legal Section	33
Jurisdiction	LINCOLN MO
Township / Civil Division	MILLWOOD
Census Block Group	2
Census Block	2114
Census Tract	810205

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	220 BRAKE RD, TROY, MO 63379-4877
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · Line of Credit VANTAGE CU
Apr 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Sep 16, 2019	Deed of Trust, Mortgage · Construction Mortgage THE MISSOURI BANK
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	220 BRAKE RD, TROY, MO 63379-4877
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2459/382
Date	Feb 9, 2021
Book Page	2459/382
Instrument	2021001880

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 8, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	220 BRAKE RD, TROY, MO 63379-4877
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2445/134
Date	Apr 3, 2020
Book Page	2445/134
Instrument	2020003141

Lender

Name	COMMERCE BANK
Type	Bank
Address	63406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	220 BRAKE RD, TROY, MO 63379-4877
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2438/0200
Date	Sep 16, 2019
Book Page	2438/0200
Instrument	2019008088

Lender

Name	THE MISSOURI BANK
Type	Bank
Address	WENTZVILLE, MO 63385

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Mar 6, 2020

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	220 BRAKE RD, TROY, MO 63379-4877
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2449/533
Date	Jul 14, 2020
Book Page	2449/533
Instrument	2020007574

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

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		$67,256 (-) Land $3,046 Building $64,210
2025	$4,105.00 (+7.43%)	$67,256 (+8.92%) Land $3,046 Building $64,210	$353,980 (+8.92%) Land $16,030 Building $337,950
2023	$3,821.00 (+4.46%)	$61,746 Land $2,894 Building $58,853	$324,980 Land $15,230 Building $309,750
2022	$3,658.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 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	0.06% 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 10 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
Brightspeed DSL	40 / 3

May also be available: AT&T, Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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