443 Shady Trail Dr, Troy, MO 63379 Property Records

Lincoln County property record for 443 Shady Trail Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,992 sqft · built 2023
Lot Size	0.89 acres (38,768 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,423 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-60-23-000-000-005.104`

Property Details

APN / Parcel Number

Primary APN	`19-60-23-000-000-005.104`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,992 sqft Living Area
Basement Area	1,992 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Ranch
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,768 sqft (0.89 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	443 SHADY TRAIL DR
City	TROY
State	MO
Zip	63379-3598
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 94 AUBURN LAKE ESTATES PLAT 2
Legal Range	01W
Legal Township	48N
Legal Section	23
Legal Subdivision	AUBURN LAKE ESTATES
Legal Lot Number	94
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2001
Census Tract	810308

Owner

443 Shady Trail Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	443 SHADY TRAIL DR, TROY, MO 63379-3598
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Sep 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Dec 1, 2022	Warranty Deed, Transfer · Line of Credit THE MISSOURI BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	443 SHADY TRAIL DR, TROY, MO 63379-3598
Transaction Type	Mortgage
Record Updated	Feb 12, 2026
Title Company	FREEDOM TITLE, FREEDOM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	443 SHADY TRAIL DR, TROY, MO 63379-3598

Mortgage

Document Number	002516/598
Date	Dec 12, 2025
Book Page	2516/598
Instrument	2025010168

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	443 SHADY TRAIL DR, TROY, MO 63379-3598
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1229 BRIARCHASE DR, LAKE SAINT LOUIS, MO 63367-6442

Mortgage

Document Number	002493/529
Date	Sep 1, 2023
Book Page	2493/529
Instrument	2023006764

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Dec 1, 2022
Property Address	443 SHADY TRAIL DR, TROY, MO 63379-3598
Document Number	0002486/19
Book / Page	2486 / 19
Map Reference	MB 14 PG 319
Instrument Date	Nov 30, 2022
Instrument	2022011803
Transaction Type	Transfer
Record Updated	Sep 26, 2023
Title Company	MEYER TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	443 AUTUMN CREST DR, TROY, MO 63379

Mortgage

Document Number	2022011804
Date	Dec 1, 2022
Instrument	2022011804

Lender

Name	THE MISSOURI BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Nov 30, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 443 Shady Trail Dr was $3,423.

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		$66,456 (-5.51%) Land $6,460 Building $59,996
2025	$3,423.00	$70,333 Land $6,525 Building $63,808	$349,770 Land $34,000 Building $315,770
2023	$2,983.00	$48,150 Land $4,248 Building $43,901	$253,420 Land $22,360 Building $231,060

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

Flood

FEMA maps place 443 Shady Trail 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 443 Shady Trail Dr is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.05% 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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