228 Almond Tree Dr, Troy, MO 63379 Property Records

Lincoln County property record for 228 Almond Tree Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,220 sqft · built 2020
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$160,500 (Nov 2020)
Tax Bill	$1,805 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-40-20-000-000-015.093`

Property Details

APN / Parcel Number

Primary APN	`14-40-20-000-000-015.093`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,220 sqft Living Area
Basement Area	1,220 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	7,405 sqft (0.17 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	228 ALMOND TREE DR
City	TROY
State	MO
Zip	63379-5477
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 93 ASHLEIGH ESTATES PLAT 4
Legal Range	01E
Legal Township	49N
Legal Section	20
Legal Subdivision	ASHLEIGH ESTATES
Legal Lot Number	93
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1019
Census Tract	810310

Owner

228 Almond Tree Dr is owned and occupied by two individuals who bought it in November 2020.

Source: Lincoln County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	228 ALMOND TREE DR, TROY, MO 63379-5477
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed of Trust, Mortgage COMMERCE BANK
Nov 3, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Jul 10, 2020	Warranty Deed, Transfer · Construction Mortgage BANK OF OLD MONROE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2020 · Amount on File
Deed Sale	Nov 3, 2020 · Amount on File
Prior Sale	Jul 10, 2020 · Amount on File
Deed Document Number	202012859
Deed Book / Page	2454 / 783
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	228 ALMOND TREE DR, TROY, MO 63379-5477
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 ALMOND TREE DR, TROY, MO 63379-5477

Mortgage

Document Number	002495/931
Date	Dec 4, 2023
Book Page	2495/931
Instrument	2023009190

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount on Record
Term	71 Months
Due	Nov 27, 2029

November 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 3, 2020
Property Address	228 ALMOND TREE DR, TROY, MO 63379-5477
Document Number	2454/783
Book / Page	2454 / 783
Map Reference	MB 14 PG 185
Instrument Date	Nov 3, 2020
Instrument	2020012859
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	228 ALMOND TREE DR, TROY, MO 63379-5477

Mortgage

Document Number	2020012860
Date	Nov 3, 2020
Instrument	2020012860

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 10, 2020
Property Address	228 ALMOND TREE DR, TROY, MO 63379-5477
Document Number	002449/361
Book / Page	2449 / 361
Map Reference	MB 14 PG 185
Instrument Date	Jul 9, 2020
Instrument	2020007401
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 N LINCOLN DR, TROY, MO 63379-1354

Mortgage

Document Number	002449/362
Date	Jul 10, 2020
Book Page	2449/362
Instrument	2020007402

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 228 Almond Tree Dr was $1,805.

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		$29,534 (-) Land $2,812 Building $26,722
2025	$1,805.00	$29,534 Land $2,812 Building $26,722	$155,440 Land $14,800 Building $140,640
2023	$1,754.00 (+5.09%)	$28,318 Land $2,280 Building $26,038	$149,040 Land $12,000 Building $137,040
2022	$1,669.00

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

FEMA maps place 228 Almond Tree Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 228 Almond Tree Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% 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 158 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

May also be available: Systec Wireless Communications.

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