41 Pine Lake Dr, Troy, MO 63379 Property Records

Lincoln County property record for 41 Pine Lake Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,775 sqft · built 2008
Lot Size	2.55 acres (111,514 sqft)
Owner	Company Name on File
Tax Bill	$5,356 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Dec 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-60-23-000-000-015.007`

Property Details

APN / Parcel Number

Primary APN	`19-60-23-000-000-015.007`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,775 sqft Living Area
Basement Area	849 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Architectural Style	Contemporary
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	111,514 sqft (2.55 acres)
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	41 PINE LAKE DR
City	TROY
State	MO
Zip	63379-3884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 PINE LAKE ESTATES
Legal Range	01W
Legal Township	48
Legal Section	23
Legal Subdivision	PINE LAKE ESTATES
Legal Lot Number	7
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2001
Census Tract	810308

Owner

Source: Lincoln County records · APN 19-60-23-000-000-015.007

Assessment roll updated June 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	41 PINE LAKE DR, TROY, MO 63379-3884
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU
Dec 01, 2021	Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 15, 2020	Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU
Aug 21, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 21, 2019
Deed Sale	Aug 21, 2019
Prior Sale	Oct 06, 2011
Deed Document Number	2437/0320
Deed Book / Page	2437 / 0320
Last Transfer Date	Jan 13, 2025
Transfer Doc	2025011300463
Record Updated	Jun 08, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	41 PINE LAKE DR, TROY, MO 63379-3884
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	ORNTIC ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 PINE LAKE DR, TROY, MO 63379-3884

Mortgage

Document Number	002517/439
Date	Jan 14, 2026
Book Page	2517/439
Instrument	2026000327

Lender

Name	NEIGHBORS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 13, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	41 PINE LAKE DR, TROY, MO 63379-3884
Transaction Type	Mortgage
Record Updated	Jan 20, 2022
Title Company	TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 PINE LAKE DR, TROY, MO 63379-3884

Mortgage

Document Number	0002473/22
Date	Dec 01, 2021
Book Page	2473/22
Instrument	2021015605

Lender

Name	NEIGHBORS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 30, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	41 PINE LAKE DR, TROY, MO 63379-3884
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	RAINIER TITLE, RTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2470/105
Date	Sep 22, 2021
Book Page	2470/105
Instrument	2021012675

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2041

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	41 PINE LAKE DR, TROY, MO 63379-3884
Transaction Type	Mortgage
Record Updated	Nov 20, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2452/345
Date	Sep 15, 2020
Book Page	2452/345
Instrument	2020010407

Lender

Name	NEIGHBORS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 14, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Aug 21, 2019
Property Address	41 PINE LAKE DR, TROY, MO 63379-3884
Document Number	2437/0320
Book / Page	2437 / 0320
Map Reference	MB 13 PG 172
Instrument Date	Aug 15, 2019
Instrument	2019007198
Transaction Type	Transfer
Record Updated	Aug 31, 2021
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	41 PINE LAKE DR, TROY, MO 63379-3884

Mortgage

Document Number	2019007199
Date	Aug 21, 2019
Instrument	2019007199

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

Tax Assessment & Valuation

Source: Lincoln County records · Assessment roll updated June 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Unified School District	Troy R-III School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,356.00 (+7.72%)	$87,632 (+9.22%) Land $9,215 Building $78,417	$461,220 (+9.22%) Land $48,500 Building $412,720
2023	$4,972.00 (+4.98%)	$80,237 Land $7,315 Building $72,922	$422,300 Land $38,500 Building $383,800
2022	$4,736.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 5, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 62% of the US · lower than 67% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 45 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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