2516 Opal Ln, Troy, MO 63379 Property Records

Lincoln County property record for 2516 Opal Ln, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,528 sqft · built 1994
Lot Size	6.92 acres (301,522 sqft)
Owner	Individual Name on File
Tax Bill	$2,730 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-50-22-000-000-009.017`

Property Details

APN / Parcel Number

Primary APN	`08-50-22-000-000-009.017`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,528 sqft Living Area
Basement Area	1,528 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	301,522 sqft (6.92 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2516 OPAL LN
City	TROY
State	MO
Zip	63379-4851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 NORTHWOODS
Legal Range	01W
Legal Township	50
Legal Section	22
Legal Subdivision	NORTHWOODS
Legal Lot Number	17
Jurisdiction	LINCOLN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2089
Census Tract	810205

Owner

Source: Lincoln County records · APN 08-50-22-000-000-009.017

Assessment roll updated June 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2516 OPAL LN, TROY, MO 63379-4851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF SPRINGFIELD
Jul 22, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF SPRINGFIELD
Mar 09, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 22, 2022
Deed Sale	Jul 22, 2022
Prior Sale	Apr 08, 2013
Deed Document Number	2022007710
Deed Book / Page	2481 / 956
Record Updated	Jun 08, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	2516 OPAL LN, TROY, MO 63379-4851
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 WILD OAK DR, O FALLON, MO 63368-7463

Mortgage

Document Number	002481/907
Date	Jul 21, 2022
Book Page	2481/907
Instrument	2022007661

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62794

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Jan 19, 2023

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 22, 2022
Property Address	2516 OPAL LN, TROY, MO 63379-4851
Document Number	002481/956
Book / Page	2481 / 956
Map Reference	MB 12 PG 42
Instrument Date	Jul 21, 2022
Instrument	2022007710
Transaction Type	Transfer
Record Updated	Sep 26, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1117 N LITTLE AVE, 1117, CUSHING, OK 74023-2033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2516 OPAL LN, TROY, MO 63379-4851

Mortgage

Document Number	2022008889
Date	Jul 22, 2022
Instrument	2022008889

Lender

Name	BANK OF SPRINGFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Sep 01, 2052

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	2516 OPAL LN, TROY, MO 63379-4851
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2420/0582
Date	Mar 09, 2018
Book Page	2420/0582
Instrument	2018001940

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2033

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	2516 OPAL LN, TROY, MO 63379-4851
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2449/717
Date	Jul 20, 2020
Book Page	2449/717
Instrument	2020007758

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

Tax Assessment & Valuation

Source: Lincoln County records · Assessment roll updated June 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Unified School District	Troy R-III School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,730.00 (+5.28%)	$45,255 (+7.11%) Land $3,597 Building $41,658	$238,180 (+7.1%) Land $18,930 Building $219,250
2023	$2,593.00 (+25.21%)	$42,252 Land $3,407 Building $38,846	$222,380 Land $17,930 Building $204,450
2022	$2,071.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 5, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	5 in force

Wildfire

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
SysTec Wireless Communications Fixed Wireless	100 / 20
Uniti Group DSL · Fixed Wireless in parts of the area	50 / 3

May also be available: AT&T, T-Mobile USA.

Based on FCC filings for 21 locations within half a mile of this property.

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