Lincoln County property record for 260 Gardenia Dr, Troy, MO 63379
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,300 sqft · built 2017 |
| Lot Size | 0.408 acres (17,772 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,006 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Mar 2017 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-10-02-000-000-004.046 |
| Primary APN | 19-10-02-000-000-004.046 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,300 sqft Living Area |
| Basement Area | 1,300 sqft |
| Unfinished Basement | 1,300 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 17,772 sqft (0.408 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 260 GARDENIA DR |
|---|---|
| City | TROY |
| State | MO |
| Zip | 63379-3014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 46 ELM TREE ESTATES |
| Legal Range | 01W |
| Legal Township | 48N |
| Legal Section | 02 |
| Legal Subdivision | ELM TREE ESTATES |
| Legal Lot Number | 46 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | CLARK |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 810308 |
260 Gardenia Dr is owned and occupied by an individual.
Source: Lincoln County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 260 GARDENIA DR, TROY, MO 63379-3014 |
| 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.
| Date | Document |
|---|---|
| Dec 18, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO |
| Mar 23, 2017 | Deed of Trust, Mortgage · Construction Mortgage BANK OF OLD MONROE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Dec 18, 2023 |
| Property Address | 260 GARDENIA DR, TROY, MO 63379-3014 |
| Document Number | 002496/323 |
| Book / Page | 2496 / 323 |
| Map Reference | MB 14 PG 93 |
| Instrument Date | Dec 15, 2023 |
| Instrument | 2023009583 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 260 GARDENIA DR, TROY, MO 63379-3014 |
| Document Number | 2023009584 |
|---|---|
| Date | Dec 18, 2023 |
| Instrument | 2023009584 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 260 GARDENIA DR, TROY, MO 63379-3014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MEYER TITLE COMPANY, MEYER TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 2408/0971 |
|---|---|
| Date | Mar 23, 2017 |
| Book Page | 2408/0971 |
| Instrument | 2017002396 |
| Name | BANK OF OLD MONROE |
|---|---|
| Type | Bank |
| Address | OLD MONROE, MO 63369 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 260 Gardenia Dr was $2,006.
Source: Lincoln County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Unified School District | Troy R-III School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $32,833 (-) Land $4,930 Building $27,903 | ||
| 2025 | $2,006.00 | $32,833 Land $4,930 Building $27,903 | $172,810 Land $25,950 Building $146,860 |
| 2023 | $1,851.00 (+4.69%) | $29,879 Land $4,036 Building $25,844 | $157,260 Land $21,240 Building $136,020 |
| 2022 | $1,768.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 260 Gardenia Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.
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 | 2 in force |
| Nearby Flood Claims | 2 (2021–2022) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2022 · rainfall accumulation |
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 risk around 260 Gardenia Dr is low, with a 0.05% annual chance of 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 69% 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.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Brightspeed Fiber | 940 / 940 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| Systec Wireless Communications Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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