291 Osage Ave, Troy, MO 63379 Property Records

Lincoln County property record for 291 Osage Ave, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,643 sqft · built 2004
Lot Size	0.483 acres (21,039 sqft)
Owner	2 Individual Names on Record
Last Sale	$258,700 (May 2019)
Tax Bill	$2,975 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-50-16-000-000-007.009`

Property Details

APN / Parcel Number

Primary APN	`15-50-16-000-000-007.009`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,643 sqft Living Area
Basement Area	1,643 sqft
Unfinished Basement	1,643 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,039 sqft (0.483 acres)
Garage Area	868 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	291 OSAGE AVE
City	TROY
State	MO
Zip	63379-3178
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 WATERBROOKE ESTATES PLAT 1
Legal Range	01W
Legal Township	49N
Legal Section	16
Legal Subdivision	WATERBROOKE ESTATES
Legal Lot Number	9
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	3
Census Block	3033
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	291 OSAGE AVE, TROY, MO 63379-3178
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 19, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 3, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 9, 2019	Warranty Deed, Transfer · FHA Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2019 · Amount on Record
Deed Sale	May 9, 2019 · Amount on Record
Prior Sale	Dec 21, 2007 · Amount on Record
Deed Document Number	20193479
Deed Book / Page	2433 / 632
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	291 OSAGE AVE, TROY, MO 63379-3178
Transaction Type	Mortgage
Record Updated	Nov 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 OSAGE AVE, TROY, MO 63379-3178

Mortgage

Document Number	002484/889
Date	Oct 21, 2022
Book Page	2484/889
Instrument	2022010666

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	May 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	291 OSAGE AVE, TROY, MO 63379-3178
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2461/247
Date	Mar 19, 2021
Book Page	2461/247
Instrument	2021003754

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	362 Months
Due	May 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	291 OSAGE AVE, TROY, MO 63379-3178
Transaction Type	Mortgage
Record Updated	May 26, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2445/156
Date	Apr 3, 2020
Book Page	2445/156
Instrument	2020003163

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	May 9, 2019
Property Address	291 OSAGE AVE, TROY, MO 63379-3178
Document Number	2433/0632
Book / Page	2433 / 0632
Map Reference	VOL 13 PGB 56
Instrument Date	May 3, 2019
Instrument	2019003479
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	SELECT TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	291 OSAGE AVE, 291, TROY, MO 63379-3178

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 OSAGE AVE, TROY, MO 63379-3178

Mortgage

Document Number	2019003480
Date	May 9, 2019
Instrument	2019003480

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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		$48,676 (-) Land $6,080 Building $42,596
2025	$2,975.00 (+7.01%)	$48,676 (+8.5%) Land $6,080 Building $42,596	$256,190 (+8.5%) Land $32,000 Building $224,190
2023	$2,780.00 (+4.83%)	$44,863 Land $5,130 Building $39,733	$236,120 Land $27,000 Building $209,120
2022	$2,652.00

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

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: Systec Wireless Communications.

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