432 Cass Dr, Troy, MO 63379 Property Records

Lincoln County property record for 432 Cass Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,552 sqft · built 2018
Lot Size	0.276 acres (12,023 sqft)
Owner	2 Individual Names on File
Last Sale	$314,900 (Oct 2021)
Tax Bill	$2,938 (2025)
Deeds & Mortgages	Sep 2017 Construction Loan Jan 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`19-60-13-000-000-005.175`

Property Details

APN / Parcel Number

Primary APN	`19-60-13-000-000-005.175`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,552 sqft Living Area
Basement Area	1,552 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,023 sqft (0.276 acres)
Garage Area	860 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	432 CASS DR
City	TROY
State	MO
Zip	63379-3446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 175 CASSCADES OF ROCKPORT, PLAT 14/300
Legal Range	01W
Legal Township	48N
Legal Section	13
Legal Subdivision	ROCKPORT
Legal Lot Number	175
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2002
Census Tract	810308

Owner

432 Cass Dr is owned and occupied by two individuals who bought it in October 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	432 CASS DR, TROY, MO 63379-3446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2017	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK & TRUST CO
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF ST LOUIS
Oct 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF ST LOUIS
May 4, 2023	Warranty Deed, Transfer · Conventional Mortgage MERS
Oct 4, 2021	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jan 23, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTRAL BANK OF ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2021 · Amount on File
Deed Sale	Oct 4, 2021 · Amount on File
Prior Sale	Jan 23, 2019 · Amount on File
Deed Document Number	202113192
Deed Book / Page	2470 / 621
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	432 CASS DR, TROY, MO 63379-3446
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02415/0536
Date	Sep 22, 2017
Book Page	2415/0536
Instrument	2017009016

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 21, 2018

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	432 CASS DR, TROY, MO 63379-3446
Transaction Type	Mortgage
Record Updated	Jan 4, 2024
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002457/657
Date	Jan 5, 2021
Book Page	2457/657
Instrument	2021000140

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Dec 28, 2040

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 28, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	432 CASS DR, TROY, MO 63379-3446
Transaction Type	Mortgage
Record Updated	Jan 4, 2024
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02438/0919
Date	Oct 2, 2019
Book Page	2438/0919
Instrument	2019008808

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 1, 2044

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	May 4, 2023
Property Address	432 CASS DR, TROY, MO 63379-3446
Document Number	002490/121
Book / Page	2490 / 121
Map Reference	MB 14 PG 300
Instrument Date	May 2, 2023
Instrument	2023003310
Transaction Type	Transfer
Record Updated	Jan 4, 2024
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	432 CASS DR, TROY, MO 63379-3446

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	432 CASS DR, TROY, MO 63379-3446
Investor	Possibly a Property Investor

Mortgage

Document Number	2023003311
Date	May 4, 2023
Instrument	2023003311

Lender

Name	MERS
Type	MERS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Oct 4, 2021
Property Address	432 CASS DR, TROY, MO 63379-3446
Document Number	2470/621
Book / Page	2470 / 621
Map Reference	MB 14 PG 300
Instrument Date	Sep 30, 2021
Instrument	2021013192
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 CHURCH ST UNIT 1608, 401, O FALLON, MO 63366-0176

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 CASS DR, TROY, MO 63379-3446

Mortgage

Document Number	2021013193
Date	Oct 4, 2021
Instrument	2021013193

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

January 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jan 23, 2019
Property Address	432 CASS DR, TROY, MO 63379-3446
Document Number	2430/0704
Book / Page	2430 / 0704
Map Reference	MB 14 PG 300
Instrument Date	Jan 17, 2019
Instrument	2019000514
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	432 CASS DR, TROY, MO 63379-3446

Mortgage

Document Number	2019000515
Date	Jan 23, 2019
Instrument	2019000515

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 432 Cass Dr was $2,938.

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		$48,068 (-) Land $5,928 Building $42,140
2025	$2,938.00	$48,068 Land $5,928 Building $42,140	$252,990 Land $31,200 Building $221,790
2023	$2,770.00 (+5.81%)	$44,698 (+6.33%) Land $5,168 Building $39,530	$235,250 Land $27,200 Building $208,050
2022	$2,618.00	$42,036 Land $5,168 Building $36,868
2021			$221,240 Land $27,200 Building $194,040

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 432 Cass Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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

Wildfire risk around 432 Cass Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	PINE LAKE ESTATES private · serves 115 people · EPA ID MO6031642
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

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

Cell Coverage

5G (outdoors only) and 4G LTE

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