251 Lake Forest Dr, Troy, MO 63379 Property Records

Lincoln County property record for 251 Lake Forest Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,952 sqft · built 2004
Lot Size	3.02 acres (131,551 sqft)
Owner	Trust Name on File
Last Sale	$429,800 (Dec 2019)
Tax Bill	$5,316 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`19-50-16-000-000-004.038`

Property Details

APN / Parcel Number

Primary APN	`19-50-16-000-000-004.038`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,952 sqft Living Area
Basement Area	1,312 sqft
Unfinished Basement	628 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	131,551 sqft (3.02 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	251 LAKE FOREST DR
City	TROY
State	MO
Zip	63379-3872
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 LAKE FOREST
Legal Range	01W
Legal Township	81N
Legal Section	16
Legal Subdivision	LAKE FOREST
Legal Lot Number	28
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	3
Census Block	3063
Census Tract	810203

Owner

251 Lake Forest Dr is owner-occupied and held in a trust since February 2021.

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

Owner of Record	Trust Name on File
Mailing Address	251 LAKE FOREST DR, TROY, MO 63379-3872
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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 6, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 5, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO
Mar 31, 2021	Intrafamily Transfer, Transfer
Mar 31, 2021	Intrafamily Transfer, Transfer
Dec 6, 2019	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2019 · Amount on File
Deed Sale	Dec 6, 2019 · Amount on File
Prior Sale	Oct 27, 2014 · Amount on File
Deed Document Number	201911079
Deed Book / Page	2441 / 175
Last Transfer Date	Feb 24, 2021
Transfer Doc	2461/816
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	251 LAKE FOREST DR, TROY, MO 63379-3872
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02441/0180
Date	Dec 6, 2019
Book Page	2441/0180
Instrument	2019011084

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	251 LAKE FOREST DR, TROY, MO 63379-3872
Transaction Type	Mortgage
Record Updated	May 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2459/266
Date	Feb 5, 2021
Book Page	2459/266
Instrument	2021001764

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	251 LAKE FOREST DR, TROY, MO 63379-3872
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	MEYER TITLE COMPANY, MEYER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2429/0413
Date	Dec 3, 2018
Book Page	2429/0413
Instrument	2018010827

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Mar 31, 2021
Property Address	251 LAKE FOREST DR, TROY, MO 63379-3872
Document Number	2461/817
Book / Page	2461 / 817
Map Reference	MB 13 PG 162
Instrument Date	Feb 24, 2021
Instrument	2021004326
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	251 LAKE FOREST DR, TROY, MO 63379-3872
Investor	Possibly a Property Investor

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Mar 31, 2021
Property Address	251 LAKE FOREST DR, TROY, MO 63379-3872
Document Number	2461/816
Book / Page	2461 / 816
Map Reference	MB 13 PG 162
Instrument Date	Feb 24, 2021
Instrument	2021004325
Transaction Type	Transfer
Record Updated	May 24, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 LAKE FOREST DR, TROY, MO 63379-3872

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Dec 6, 2019
Property Address	251 LAKE FOREST DR, TROY, MO 63379-3872
Document Number	2441/0175
Book / Page	2441 / 0175
Map Reference	MB 13 PG 162
Instrument Date	Dec 3, 2019
Instrument	2019011079
Transaction Type	Transfer
Record Updated	May 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 COLONIAL LN, TROY, MO 63379-1750

Mortgage

Document Number	2019011080
Date	Dec 6, 2019
Instrument	2019011080

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Mortgage

Document Number	2441/0180
Date	Dec 6, 2019
Book Page	2441/0180
Instrument	2019011084

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 251 Lake Forest Dr was $5,316.

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		$86,973 (-) Land $7,551 Building $79,422
2025	$5,316.00	$86,973 Land $7,551 Building $79,422	$457,750 Land $39,740 Building $418,010
2023	$5,056.00 (+5.05%)	$81,597 Land $6,403 Building $75,194	$429,460 Land $33,700 Building $395,760
2022	$4,813.00

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 251 Lake Forest Dr in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 251 Lake Forest Dr is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.07% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Gateway Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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