2517 Opal Ln, Troy, MO 63379 Property Records

Lincoln County property record for 2517 Opal Ln, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,578 sqft · built 1995
Lot Size	15 acres (653,400 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,699 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`08-50-22-000-000-009.014`

Property Details

APN / Parcel Number

Primary APN	`08-50-22-000-000-009.014`

Interior

Bedrooms	4 Beds
Full Baths	3.25 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,578 sqft Living Area
Basement Area	2,578 sqft
Unfinished Basement	2,578 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	653,400 sqft (15 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2517 OPAL LN
City	TROY
State	MO
Zip	63379-4839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 NORTHWOODS SUBD
Legal Range	01W
Legal Township	50N
Legal Section	22
Legal Subdivision	NORTHWOODS
Legal Lot Number	14
Jurisdiction	LINCOLN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2089
Census Tract	810205

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	2 Individual Names on Record
Mailing Address	2517 OPAL LN, TROY, MO 63379-4839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO
Aug 7, 2019	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2019
Deed Sale	Aug 7, 2019
Deed Document Number	20196731
Deed Book / Page	2436 / 856
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	2517 OPAL LN, TROY, MO 63379-4839
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2517 OPAL LN, TROY, MO 63379-4839

Mortgage

Document Number	002515/564
Date	Nov 7, 2025
Book Page	2515/564
Instrument	2025009128

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2035

August 2019: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LINCOLN MO
Recording Date	Aug 7, 2019
Property Address	2517 OPAL LN, TROY, MO 63379-4839
Document Number	02436/0856
Book / Page	2436 / 0856
Map Reference	MB 12 PG 42
Instrument Date	Aug 7, 2019
Instrument	2019006731
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$62,898 (-) Land $3,572 Building $59,326
2025	$3,699.00 (+1.57%)	$62,898 (+6.77%) Land $3,572 Building $59,326	$331,040 (+6.77%) Land $18,800 Building $312,240
2023	$3,642.00 (+5.23%)	$58,908 (+5.99%) Land $3,382 Building $55,526	$310,040 (+5.75%) Land $17,800 Building $292,240
2022	$3,461.00	$55,578 Land $3,256 Building $52,322
2021			$293,180 Land $17,800 Building $275,380

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	5 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	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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
Windstream DSL	10 / 1

May also be available: Brightspeed, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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