221 Penny Ct, Troy, MO 63379 Property Records

Lincoln County property record for 221 Penny Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,406 sqft · built 2005
Lot Size	0.265 acres (11,543 sqft)
Owner	Individual Name on Record
Last Sale	$232,200 (May 2017)
Tax Bill	$2,425 (2025)
Deeds & Mortgages	Jun 2023 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-50-22-000-000-003.035`

Property Details

APN / Parcel Number

Primary APN	`14-50-22-000-000-003.035`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,406 sqft Living Area
Basement Area	1,406 sqft
Unfinished Basement	1,406 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,543 sqft (0.265 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	221 PENNY CT
City	TROY
State	MO
Zip	63379-5486
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25 SHADY ESTATES
Legal Range	01E
Legal Township	49N
Legal Section	22
Legal Subdivision	SHADY EST
Legal Lot Number	25
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3013
Census Tract	810309

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	Individual Name on Record
Mailing Address	221 PENNY CT, TROY, MO 63379-5486
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2023	Deed of Trust, Mortgage · Unknown FIRST COMMUNITY CU
May 2, 2017	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2017 · Amount on Record
Deed Sale	May 2, 2017 · Amount on Record
Prior Sale	Mar 27, 2009 · Amount on Record
Deed Document Number	20173846
Deed Book / Page	2410 / 413
Prior Transfer Date	Mar 23, 2009
Prior Transfer Doc	0000003318
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	221 PENNY CT, TROY, MO 63379-5486
Transaction Type	Mortgage
Record Updated	Aug 8, 2023
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 PENNY CT, TROY, MO 63379-5486

Mortgage

Document Number	002491/108
Date	Jun 8, 2023
Book Page	2491/108
Instrument	2023004301

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Unknown
Amount	Amount Recorded
Term	179 Months
Due	May 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	May 2, 2017
Property Address	221 PENNY CT, TROY, MO 63379-5486
Document Number	2410/0413
Book / Page	2410 / 0413
Map Reference	MB13 PG7
Instrument Date	Apr 28, 2017
Instrument	2017003846
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 PENNY CT, TROY, MO 63379-5486

Mortgage

Document Number	2017003847
Date	May 2, 2017
Instrument	2017003847

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

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		$39,680 (-) Land $6,080 Building $33,600
2025	$2,425.00 (+10.78%)	$39,680 (+12.31%) Land $6,080 Building $33,600	$208,840 (+12.3%) Land $32,000 Building $176,840
2023	$2,189.00 (+4.79%)	$35,332 Land $4,180 Building $31,152	$185,960 Land $22,000 Building $163,960
2022	$2,089.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 63% of the US · lower than 70% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LINCOLN COUNTY PWSD 1 serves 14,000 people · EPA ID MO6024340
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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