31 Pine Lake Dr, Troy, MO 63379 Property Records

Lincoln County property record for 31 Pine Lake Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,795 sqft · built 2016
Lot Size	2.7 acres (117,612 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,700 (Jun 2018)
Tax Bill	$3,691 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-60-23-000-000-015.004`

Property Details

APN / Parcel Number

Primary APN	`19-60-23-000-000-015.004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,795 sqft Living Area
Basement Area	1,795 sqft
Unfinished Basement	1,795 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	117,612 sqft (2.7 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	31 PINE LAKE DR
City	TROY
State	MO
Zip	63379-3884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 PINE LAKE ESTATES
Legal Range	01W
Legal Township	48N
Legal Section	23
Legal Subdivision	PINE LAKE ESTATES
Legal Lot Number	4
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2001
Census Tract	810308

Owner

Source: Lincoln County records, as of September 22, 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	31 PINE LAKE DR, TROY, MO 63379-3884
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES NATIONAL BANK NA
Nov 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Jun 25, 2018	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Sep 1, 2017	Warranty Deed, Transfer · Line of Credit THE MERCANTILE BANK OF LOUISIANA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2018 · Amount on Record
Deed Sale	Jun 25, 2018 · Amount on Record
Prior Sale	Sep 1, 2017 · Amount on Record
Deed Document Number	20185522
Deed Book / Page	2424 / 149
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	31 PINE LAKE DR, TROY, MO 63379-3884
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2459/52
Date	Feb 3, 2021
Book Page	2459/52
Instrument	2021001547

Lender

Name	PEOPLES NATIONAL BANK NA
Type	Bank
Address	MOUNT VERNON, IL 62864

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	31 PINE LAKE DR, TROY, MO 63379-3884
Transaction Type	Mortgage
Record Updated	Jan 22, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2440/0699
Date	Nov 20, 2019
Book Page	2440/0699
Instrument	2019010602

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 25, 2018
Property Address	31 PINE LAKE DR, TROY, MO 63379-3884
Document Number	2424/0149
Book / Page	2424 / 0149
Map Reference	MB13 PG167
Instrument Date	Jun 20, 2018
Instrument	2018005522
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 PINE LAKE DR, TROY, MO 63379-3884

Mortgage

Document Number	2018005523
Date	Jun 25, 2018
Instrument	2018005523

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Sep 1, 2017
Property Address	31 PINE LAKE DR, TROY, MO 63379-3884
Document Number	2414/0839
Book / Page	2414 / 0839
Map Reference	MB13 PG172
Instrument Date	Aug 30, 2017
Instrument	2017008315
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	L COUNTY TITLE, ALL COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1701 BROWNSMILL RD, ELSBERRY, MO 63343-3104

Mortgage

Document Number	2017008314
Date	Sep 1, 2017
Instrument	2017008314

Lender

Name	THE MERCANTILE BANK OF LOUISIANA

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$60,393 (-) Land $9,215 Building $51,178
2025	$3,691.00 (+8.21%)	$60,393 (+9.7%) Land $9,215 Building $51,178	$317,860 (+9.7%) Land $48,500 Building $269,360
2023	$3,411.00 (+4.73%)	$55,054 Land $7,315 Building $47,739	$289,760 Land $38,500 Building $251,260
2022	$3,257.00

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
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 (2022)
Most Recent Claim	Jul 2022 · river or lake 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 62% of the US · lower than 67% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
Brightspeed Fixed Wireless	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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