315 Pine Bluff Way, Troy, MO 63379 Property Records

Lincoln County property record for 315 Pine Bluff Way, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,185 sqft · built 2020
Lot Size	3.68 acres (160,301 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,163 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-30-08-000-000-003.004`

Property Details

APN / Parcel Number

Primary APN	`19-30-08-000-000-003.004`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,185 sqft Living Area
Basement Area	2,185 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Architectural Style	Ranch
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	160,301 sqft (3.68 acres)
Garage Area	828 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	315 PINE BLUFF WAY
City	TROY
State	MO
Zip	63379-4403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BRISTOL RIDGE
Legal Range	01W
Legal Section	08
Legal Subdivision	BRISTOL RIDGE
Legal Lot Number	4
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	3
Census Block	3042
Census Tract	810203

Owner

Source: Lincoln County records, as of December 1, 2025

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	315 PINE BLUFF WAY, TROY, MO 63379-4403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO
May 26, 2020	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK & TRUST CO
Feb 10, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO
Jul 21, 2020	Deed of Trust, Mortgage · Line of Credit ROCKWOOD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	315 PINE BLUFF WAY, TROY, MO 63379-4403
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2457/518
Date	Jan 4, 2021
Book Page	2457/518
Instrument	2021000001

Lender

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

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	315 PINE BLUFF WAY, TROY, MO 63379-4403
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2447/207
Date	May 26, 2020
Book Page	2447/207
Instrument	2020005235

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Feb 26, 2021

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	315 PINE BLUFF WAY, TROY, MO 63379-4403
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2459/437
Date	Feb 10, 2021
Book Page	2459/437
Instrument	2021001935

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TRELOAR, MO 63378

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Feb 28, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	315 PINE BLUFF WAY, TROY, MO 63379-4403
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2449/807
Date	Jul 21, 2020
Book Page	2449/807
Instrument	2020007848

Lender

Name	ROCKWOOD BANK
Type	Bank
Address	WILDWOOD, MO 63040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 8, 2021

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of June 1, 2025

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
2025	$4,163.00 (+9.01%)	$68,121 (+10.53%) Land $9,975 Building $58,146	$358,530 (+10.53%) Land $52,500 Building $306,030
2023	$3,819.00 (+4.77%)	$61,630 Land $8,075 Building $53,555	$324,370 Land $42,500 Building $281,870
2022	$3,645.00

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
Nearby Flood Policies	1 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	Low lower than 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.05% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Gateway Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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