397 Penrod Rd, Troy, MO 63379 Property Records

Lincoln County property record for 397 Penrod Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,596 sqft · built 2005
Lot Size	5.39 acres (234,788 sqft)
Owner	2 Individual Names on File
Last Sale	$350,200 (May 2017)
Tax Bill	$3,130 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-80-34-000-000-010.003`

Property Details

APN / Parcel Number

Primary APN	`08-80-34-000-000-010.003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
Basement Area	1,596 sqft
Unfinished Basement	1,596 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	234,788 sqft (5.39 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	397 PENROD RD
City	TROY
State	MO
Zip	63379-4775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.39 AC PT LOT 5 U.S.SURVEY 1749: CO RD 540
Legal Range	01W
Legal Township	50N
Legal Section	17
Legal Lot Number	5
Jurisdiction	LINCOLN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2104
Census Tract	810205

Owner

397 Penrod Rd is owned and occupied by two individuals who bought it in May 2017.

Source: Lincoln County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	397 PENROD RD, TROY, MO 63379-4775
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION
May 16, 2017	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2017 · Amount on File
Deed Sale	May 16, 2017 · Amount on File
Prior Sale	Jul 12, 2007 · Amount on File
Deed Document Number	20174409
Deed Book / Page	2410 / 970
Prior Transfer Date	Sep 23, 2010
Prior Transfer Doc	0000008512
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	397 PENROD RD, TROY, MO 63379-4775
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002449/299
Date	Jul 9, 2020
Book Page	2449/299
Instrument	2020007339

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	397 PENROD RD, TROY, MO 63379-4775
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02438/0552
Date	Sep 24, 2019
Book Page	2438/0552
Instrument	2019008440

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	May 16, 2017
Property Address	397 PENROD RD, TROY, MO 63379-4775
Document Number	02410/0970
Book / Page	2410 / 0970
Instrument Date	May 15, 2017
Instrument	2017004409
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 PENROD RD, TROY, MO 63379-4775

Mortgage

Document Number	2017004410
Date	May 16, 2017
Instrument	2017004410

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 397 Penrod Rd was $3,130.

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		$51,334 (-) Land $3,570 Building $47,764
2025	$3,130.00	$51,334 Land $3,570 Building $47,764	$270,180 Land $18,790 Building $251,390
2023	$2,898.00 (+2.77%)	$46,898 Land $3,380 Building $43,518	$246,830 Land $17,790 Building $229,040
2022	$2,820.00

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

FEMA maps place 397 Penrod Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 397 Penrod Rd is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.06% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Brightspeed DSL	40 / 3

May also be available: AT&T, Systec Wireless Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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