245 Winding Ln, Troy, MO 63379 Property Records

Lincoln County property record for 245 Winding Ln, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 2020
Lot Size	6.58 acres (286,625 sqft)
Owner	Individual Name on Record
Tax Bill	$2,476 (2025)
Deeds & Mortgages	May 2026 Sale Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-20-04-000-000-012.001`

Property Details

APN / Parcel Number

Primary APN	`15-20-04-000-000-012.001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Basement Area	1,152 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	286,625 sqft (6.58 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	245 WINDING LN
City	TROY
State	MO
Zip	63379-4787
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6.58 AC IN E1/2 OF SW1/4 SEC 4, SURVEY 4/61
Legal Range	01E
Legal Township	49N
Legal Section	04
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1031
Census Tract	810306

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	245 WINDING LN, TROY, MO 63379-4787
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed, Transfer
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN MO
Recording Date	May 1, 2026
Property Address	245 WINDING LN, TROY, MO 63379-4787
Document Number	2521000145
Book / Page	2521 / 145
Instrument Date	May 1, 2026
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 WINDING LN, TROY, MO 63379-4787
Investor	Possibly a Property Investor

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	245 WINDING LN, TROY, MO 63379-4787
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	CLOSELINE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2470/70
Date	Sep 22, 2021
Book Page	2470/70
Instrument	2021012639

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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		$40,514 (-) Land $5,421 Building $35,093
2025	$2,476.00 (+13.47%)	$40,514 (+15.02%) Land $5,421 Building $35,093	$213,230 (+15.02%) Land $28,530 Building $184,700
2023	$2,182.00 (+4.7%)	$35,222 Land $4,988 Building $30,235	$185,380 Land $26,250 Building $159,130
2022	$2,084.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

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 67% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
Brightspeed DSL	80 / 10

May also be available: AT&T, Wisper ISP.

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