231 Penny Ct, Troy, MO 63379 Property Records

Lincoln County property record for 231 Penny Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,324 sqft · built 2005
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on File
Last Sale	$139,200 (Dec 2008)
Tax Bill	$2,121 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-50-22-000-000-003.036`

Property Details

APN / Parcel Number

Primary APN	`14-50-22-000-000-003.036`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,324 sqft Living Area
Basement Area	1,324 sqft
Unfinished Basement	1,324 sqft
Flooring	Combination, Other
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	11,979 sqft (0.275 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	231 PENNY CT
City	TROY
State	MO
Zip	63379-5486
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 SHADY ESTATES
Legal Range	01E
Legal Township	49N
Legal Section	22
Legal Subdivision	SHADY EST
Legal Lot Number	26
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3013
Census Tract	810309

Owner

231 Penny Ct is owned and occupied by two individuals who acquired it in April 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	231 PENNY CT, TROY, MO 63379-5486
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
Mar 27, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 18, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2008 · Amount on File
Deed Sale	Dec 15, 2008 · Amount on File
Prior Sale	Feb 28, 2007
Deed Document Number	20081548
Deed Book / Page	2052 / 46
Last Transfer Date	Apr 24, 2009
Transfer Doc	2081/0090
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	231 PENNY CT, TROY, MO 63379-5486
Transaction Type	Mortgage
Record Updated	Jun 24, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 PENNY CT, TROY, MO 63379-5486

Mortgage

Document Number	002519/795
Date	Mar 27, 2026
Book Page	2519/795
Instrument	2026002710

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	FISHERS, IN 46037

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	220 Months
Due	Jul 1, 2044

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	231 PENNY CT, TROY, MO 63379-5486
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2459/698
Date	Feb 18, 2021
Book Page	2459/698
Instrument	2021002197

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	281 Months
Due	Jul 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 231 Penny Ct was $2,121.

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		$34,707 (-) Land $6,080 Building $28,627
2025	$2,121.00	$34,707 Land $6,080 Building $28,627	$182,670 Land $32,000 Building $150,670
2023	$1,899.00 (+4.69%)	$30,658 Land $4,180 Building $26,478	$161,360 Land $22,000 Building $139,360
2022	$1,814.00

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 231 Penny Ct 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 231 Penny Ct is low, with a 0.06% annual chance of 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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