430 E Wood St, Troy, MO 63379 Property Records

Lincoln County property record for 430 E Wood St, Troy, MO 63379

Property Summary

Property Type	Bank, Financial Building
Details	22,095 sqft · built 1973
Lot Size	2.26 acres (98,838 sqft)
Owner	Company Name on Record
Last Sale	$412,500 (Jan 2021)
Tax Bill	$36,940 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-70-26-004-014-008.000`

Property Details

APN / Parcel Number

Primary APN	`15-70-26-004-014-008.000`

Interior

Building Area	22,095 sqft Total Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	98,838 sqft (2.26 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	430 E WOOD ST
City	TROY
State	MO
Zip	63379-1435
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	O.L.69-70 & PT O.L.64 & 62B SURVEY 379 CITY OF TROY
Legal Range	01W
Legal Township	49N
Legal Section	37
Legal Subdivision	TROY
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	3
Census Block	3012
Census Tract	810305

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX G, TROY, MO 63379-0167
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO
Jan 21, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2021 · Amount on Record
Deed Sale	Jan 21, 2021 · Amount on Record
Deed Document Number	2021893
Deed Book / Page	2458 / 405
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	430 E WOOD ST, TROY, MO 63379-1435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2457/206
Date	Dec 23, 2020
Book Page	2457/206
Instrument	2020015312

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2041

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jan 21, 2021
Property Address	430 E WOOD ST, TROY, MO 63379-1435
Document Number	2458/405
Book / Page	2458 / 405
Map Reference	MB 14 PG 338
Instrument Date	Jan 15, 2021
Instrument	2021000893
Transaction Type	Subdivision Related 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
Address	273 CAMP CHARREN RD, 273, TROY, MO 63379-3710

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 BETTY JO CT, TROY, MO 63379-4900

Mortgage

Document Number	2021000894
Date	Jan 21, 2021
Instrument	2021000894

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$575,123 (-) Land $33,408 Building $541,715
2025	$36,940.00 (+8.32%)	$575,123 (+9.65%) Land $33,408 Building $541,715	$1,797,260 (+9.65%) Land $104,400 Building $1,692,860
2023	$34,104.00 (+3.16%)	$524,522 Land $29,232 Building $495,290	$1,639,130 Land $91,350 Building $1,547,780
2022	$33,058.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TROY PWS serves 15,000 people · EPA ID MO6010798
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Systec Wireless Communications, Wisper ISP.

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