Lincoln County property record for 40 Lake Bend Dr, Winfield, MO 63389
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,382 sqft · built 2023 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,900 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Apr 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-10-02-000-000-018.029 |
| Primary APN | 13-10-02-000-000-018.029 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,382 sqft Living Area |
| Basement Area | 2,382 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Ranch |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 1,320 sqft |
| Parking Spaces | 5 Parking Spaces |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Street Address | 40 LAKE BEND DR |
|---|---|
| City | WINFIELD |
| State | MO |
| Zip | 63389-2200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 29 THE WOODS OF SANDY CREEK |
| Legal Range | 02E |
| Legal Township | 49N |
| Legal Section | 17 |
| Legal Subdivision | SANDY CREEK |
| Legal Lot Number | 29 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | BURR OAK |
| Census Block Group | 1 |
| Census Block | 1075 |
| Census Tract | 810401 |
40 Lake Bend Dr is owned and occupied by two individuals who acquired it in October 2016.
Source: Lincoln County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 LAKE BEND DR, WINFIELD, MO 63389-2200 |
| 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 |
|---|---|
| Mar 10, 2021 | Deed of Trust, Mortgage · Line of Credit JEFFERSON BANK OF MISSOURI |
| Apr 21, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK NA |
| Dec 12, 2024 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE CORP |
| Dec 12, 2024 | Affidavit, Transfer US TITLE-MAIN, US TITLE MAIN |
| Oct 4, 2022 | Warranty Deed, Transfer MEYER TITLE COMPANY |
| May 23, 2022 | Warranty Deed, Transfer MEYER TITLE COMPANY, MEYER TITLE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2016 |
| Deed Sale | Oct 31, 2016 |
| Deed Document Number | 20169577 |
| Deed Book / Page | 2404 / 558 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 40 LAKE BEND DR, WINFIELD, MO 63389-2200 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002460/776 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 2460/776 |
| Instrument | 2021003277 |
| Name | JEFFERSON BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 40 LAKE BEND DR, WINFIELD, MO 63389-2200 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2579 PHEASANT RUN DR, MARYLAND HEIGHTS, MO 63043-1478 |
| Document Number | 002489/761 |
|---|---|
| Date | Apr 21, 2023 |
| Book Page | 2489/761 |
| Instrument | 2023002938 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Address | GREEN BAY, WI 54301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.1% |
| Index | 1-Year CMT |
| Max Rate | 11.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Dec 12, 2024 |
| Property Address | 40 LAKE BEND DR, WINFIELD, MO 63389-2200 |
| Document Number | 0002506/70 |
| Book / Page | 2506 / 70 |
| Map Reference | MB 14 PG 117-118 |
| Instrument Date | Dec 6, 2024 |
| Instrument | 2024009488 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Title Company | US TITLE-MAIN, US TITLE MAIN |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 40 LAKE BEND DR, WINFIELD, MO 63389-2200 |
| Document Number | 2024009489 |
|---|---|
| Date | Dec 12, 2024 |
| Instrument | 2024009489 |
| Name | AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2055 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Dec 12, 2024 |
| Property Address | 40 LAKE BEND DR, WINFIELD, MO 63389-2200 |
| Document Number | 0002506/69 |
| Book / Page | 2506 / 69 |
| Map Reference | MB 14 PG 117-118 |
| Instrument Date | Dec 6, 2024 |
| Instrument | 2024009487 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Title Company | US TITLE-MAIN, US TITLE MAIN |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 LAKE BEND DR, WINFIELD, MO 63389-2200 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Oct 4, 2022 |
| Property Address | 40 LAKE BEND DR, WINFIELD, MO 63389-2200 |
| Document Number | 002484/367 |
| Book / Page | 2484 / 367 |
| Map Reference | MB 14 PG 117&118 |
| Instrument Date | Oct 3, 2022 |
| Instrument | 2022010143 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Title Company | MEYER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2579 PHEASANT RUN DR, MARYLAND HEIGHTS, MO 63043-1478 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | May 23, 2022 |
| Property Address | 40 LAKE BEND DR, WINFIELD, MO 63389-2200 |
| Document Number | 002479/758 |
| Book / Page | 2479 / 758 |
| Map Reference | MB 14 PG 117&118 |
| Instrument Date | May 20, 2022 |
| Instrument | 2022005498 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Title Company | MEYER TITLE COMPANY, MEYER TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 5 SANDY CREEK CIR, WINFIELD, MO 63389-2234 |
The 2025 property tax bill for 40 Lake Bend Dr was $3,900.
Source: Lincoln County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Unified School District | Winfield R-IV School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $68,085 (-) Land $6,365 Building $61,720 | ||
| 2025 | $3,900.00 | $68,085 Land $6,365 Building $61,720 | $358,340 Land $33,500 Building $324,840 |
| 2023 | $256.00 (+0.39%) | $4,465 Land $4,465 | $23,500 Land $23,500 |
| 2022 | $255.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Lake Bend Dr in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 2008.
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 |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 16 (2008–2022) |
| Most Recent Claim | Sep 2022 · other causes |
| Claims by Event |
|
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 40 Lake Bend Dr 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 62% of the US · lower than 67% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LINCOLN COUNTY PWSD 1 serves 14,000 people · EPA ID MO6024340 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2023 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| Water Quality | Fluoride resolved · Jan 2020 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
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