23 Millstone Lake Dr, Winfield, MO 63389 Property Records

Lincoln County property record for 23 Millstone Lake Dr, Winfield, MO 63389

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,330 sqft · built 2017
Lot Size	0.368 acres (16,030 sqft)
Owner	2 Individual Names on File
Last Sale	$296,900 (Jul 2021)
Tax Bill	$2,490 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-60-23-002-002-004.027`

Property Details

APN / Parcel Number

Primary APN	`14-60-23-002-002-004.027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,330 sqft Living Area
Basement Area	1,330 sqft
Unfinished Basement	1,330 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	16,030 sqft (0.368 acres)
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	23 MILLSTONE LAKE DR
City	WINFIELD
State	MO
Zip	63389-2993
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 MILLSTONE LAKE, PLAT 14/75
Legal Range	01E
Legal Township	49N
Legal Section	23
Legal Subdivision	MILLSTONE LAKE
Legal Lot Number	17
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3005
Census Tract	810310

Owner

23 Millstone Lake Dr is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	23 MILLSTONE LAKE DR, WINFIELD, MO 63389-2993
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
Jul 28, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Aug 4, 2017	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK & TRUST CO
Oct 31, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CORNERSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2021 · Amount on File
Deed Sale	Jul 28, 2021 · Amount on File
Prior Sale	Oct 31, 2017 · Amount on File
Deed Document Number	202110072
Deed Book / Page	2467 / 521
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 28, 2021
Property Address	23 MILLSTONE LAKE DR, WINFIELD, MO 63389-2993
Document Number	2467/521
Book / Page	2467 / 521
Map Reference	MB 14 PG 75
Instrument Date	Jul 23, 2021
Instrument	2021010072
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	361 AUBUCHON RD, 361, TROY, MO 63379-4307

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23 MILLSTONE LAKE DR, WINFIELD, MO 63389-2993

Mortgage

Document Number	2021010073
Date	Jul 28, 2021
Instrument	2021010073

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	23 MILLSTONE LAKE DR, WINFIELD, MO 63389-2993
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2413/0839
Date	Aug 4, 2017
Book Page	2413/0839
Instrument	2017007306

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Feb 4, 2018

October 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Oct 31, 2017
Property Address	23 MILLSTONE LAKE DR, WINFIELD, MO 63389-2993
Document Number	2416/0760
Book / Page	2416 / 0760
Map Reference	MB14 PG75
Instrument Date	Oct 31, 2017
Instrument	2017010243
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	TRI COUNTY LAND TITLE SVCS

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	23 MILLSTONE LAKE DR, WINFIELD, MO 63389-2993

Mortgage

Document Number	2416/0761
Date	Oct 31, 2017
Book Page	2416/0761
Instrument	2017010244

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 23 Millstone Lake Dr was $2,490.

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		$40,742 (-) Land $6,080 Building $34,662
2025	$2,490.00	$40,742 Land $6,080 Building $34,662	$214,430 Land $32,000 Building $182,430
2023	$2,319.00 (+4.74%)	$37,422 Land $5,130 Building $32,292	$196,960 Land $27,000 Building $169,960
2022	$2,214.00

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 23 Millstone Lake 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 23 Millstone Lake 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Gateway Fiber.

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