40 Pine Lake Dr, Troy, MO 63379 Property Records

Lincoln County property record for 40 Pine Lake Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,467 sqft · built 2017
Lot Size	2.69 acres (117,176 sqft)
Owner	Individual Name on Record
Tax Bill	$4,400 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Apr 2017 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-60-23-000-000-015.006`

Property Details

APN / Parcel Number

Primary APN	`19-60-23-000-000-015.006`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,467 sqft Living Area
Basement Area	2,467 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asbestos
Lot Area	117,176 sqft (2.69 acres)
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	40 PINE LAKE DR
City	TROY
State	MO
Zip	63379-3888
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 PINE LAKE ESTATES
Legal Range	01W
Legal Township	48
Legal Section	23
Legal Subdivision	PINE LAKE ESTATES
Legal Lot Number	6
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2001
Census Tract	810308

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	40 PINE LAKE DR, TROY, MO 63379-3888
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 18, 2017	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK & TRUST CO
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage US WIDE FINANCIAL LLC
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage US WIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2015
Deed Sale	Jun 19, 2015
Prior Sale	Sep 4, 2009
Deed Document Number	2015004798
Deed Book / Page	2389 / 0192
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	40 PINE LAKE DR, TROY, MO 63379-3888
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	ALL COUNTY TTLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02421/0164
Date	Mar 29, 2018
Book Page	2421/0164
Instrument	2018002522

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	40 PINE LAKE DR, TROY, MO 63379-3888
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02409/0918
Date	Apr 18, 2017
Book Page	2409/0918
Instrument	2017003350

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Jan 17, 2018

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	40 PINE LAKE DR, TROY, MO 63379-3888
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02440/0574
Date	Nov 18, 2019
Book Page	2440/0574
Instrument	2019010476

Lender

Name	US WIDE FINANCIAL LLC
Type	Lending Institution
Address	SAINT LOUIS, MO 63146

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	40 PINE LAKE DR, TROY, MO 63379-3888
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002463/326
Date	Apr 28, 2021
Book Page	2463/326
Instrument	2021005837

Lender

Name	US WIDE FINANCIAL LLC
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Feb 1, 2051

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	$4,400.00 (+9.21%)	$71,995 (+10.72%) Land $9,215 Building $62,780	$378,920 (+10.72%) Land $48,500 Building $330,420
2023	$4,029.00 (+4.87%)	$65,024 Land $7,315 Building $57,709	$342,230 Land $38,500 Building $303,730
2022	$3,842.00

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
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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