220 Windrose Ln, Troy, MO 63379 Property Records

Lincoln County property record for 220 Windrose Ln, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 2,201 sqft · built 2009
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$323,800 (Mar 2020)
Tax Bill	$4,017 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-90-32-000-000-002.079`

Property Details

APN / Parcel Number

Primary APN	`15-90-32-000-000-002.079`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,201 sqft Living Area
Basement Area	2,201 sqft
Unfinished Basement	2,201 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	25,700 sqft (0.59 acres)
Garage Area	668 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	220 WINDROSE LN
City	TROY
State	MO
Zip	63379-4456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 79A WESTBOROUGH ESTATES PLAT 4
Legal Range	01W
Legal Township	49N
Legal Section	32
Legal Subdivision	WESTBOROUGH ESTATES
Legal Lot Number	79A
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1015
Census Tract	810203

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 WINDROSE LN, TROY, MO 63379-4456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY
Dec 5, 2019	Warranty Deed, Transfer · Commercial Mortgage SILEX BANKING CO
Mar 12, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2020 · Amount on Record
Deed Sale	Mar 12, 2020 · Amount on Record
Prior Sale	Dec 5, 2019 · Amount on Record
Deed Document Number	20202450
Deed Book / Page	2444 / 449
Prior Transfer Date	Mar 5, 2000
Prior Transfer Doc	2444/449
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	220 WINDROSE LN, TROY, MO 63379-4456
Transaction Type	Mortgage
Record Updated	May 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2460/273
Date	Mar 2, 2021
Book Page	2460/273
Instrument	2021002774

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	220 WINDROSE LN, TROY, MO 63379-4456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2449/737
Date	Jul 20, 2020
Book Page	2449/737
Instrument	2020007778

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON CNTY
Type	Bank
Address	TROY, MO 63379

Agreement

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

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Dec 5, 2019
Property Address	220 WINDROSE LN, TROY, MO 63379-4456
Document Number	2441/0136
Book / Page	2441 / 0136
Map Reference	MB 3 PG 109
Instrument Date	Dec 4, 2019
Instrument	2019011040
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
Relationship	Joint Tenants with Right of Survivorship
Address	220 WINDROSE LN, TROY, MO 63379-4456

Mortgage

Document Number	2019011041
Date	Dec 5, 2019
Instrument	2019011041

Lender

Name	SILEX BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 1, 2020

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Mar 12, 2020
Property Address	220 WINDROSE LN, TROY, MO 63379-4456
Document Number	2444/449
Book / Page	2444 / 449
Map Reference	MB 14 PG 71
Instrument Date	Mar 5, 2000
Instrument	2020002450
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FREEDOM TITLE, FREEDOM TITLW

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 WINDROSE LN, TROY, MO 63379-4456

Mortgage

Document Number	2020002451
Date	Mar 12, 2020
Instrument	2020002451

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

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

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		$65,730 (-) Land $9,880 Building $55,850
2025	$4,017.00 (+8.36%)	$65,730 (+9.88%) Land $9,880 Building $55,850	$345,950 (+9.88%) Land $52,000 Building $293,950
2023	$3,707.00 (+5.67%)	$59,822 Land $7,980 Building $51,842	$314,850 Land $42,000 Building $272,850
2022	$3,508.00

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 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds, And 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	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.05% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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