446 Hwy Y, Winfield, MO 63389 Property Records

Lincoln County property record for 446 Hwy Y, Winfield, MO 63389

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,515 sqft · built 2020
Lot Size	3.08 acres (134,165 sqft)
Owner	2 Individual Names on File
Last Sale	$412,500 (May 2020)
Tax Bill	$3,657 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-11-000-000-014.002`

Property Details

APN / Parcel Number

Primary APN	`13-10-11-000-000-014.002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,515 sqft Living Area
Basement Area	2,515 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Roof Type	Gable
Roof Material	Asphalt
Lot Area	134,165 sqft (3.08 acres)
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	446 HIGHWAY Y
City	WINFIELD
State	MO
Zip	63389-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.08 AC WITHIN US SURVEY 1789 AKA PARCEL A PS1/354
Legal Range	01E
Legal Township	49N
Legal Section	17
Legal Subdivision	HARRY AND DIANE UNDERBERG
Jurisdiction	LINCOLN MO
Township / Civil Division	BURR OAK
Census Block Group	2
Census Block	2003
Census Tract	810401

Owner

446 Hwy Y is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	446 HIGHWAY Y, WINFIELD, MO 63389-2214
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
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF OLD MONROE
May 27, 2020	Intrafamily Transfer, Transfer · Construction Mortgage BANK OF OLD MONROE
Aug 10, 2018	Warranty Deed, Transfer · Commercial Mortgage BANK OF OLD MONROE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2020 · Amount on File
Deed Sale	May 27, 2020 · Amount on File
Prior Sale	Aug 10, 2018 · Amount on File
Deed Document Number	20205271
Deed Book / Page	2447 / 243
Prior Transfer Date	May 15, 2020
Prior Transfer Doc	002447/243
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	446 HIGHWAY Y, WINFIELD, MO 63389-2214
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	SELECT TITLE GROUP, LELECT TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2462/64
Date	Apr 5, 2021
Book Page	2462/64
Instrument	2021004573

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

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

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	May 27, 2020
Property Address	446 HIGHWAY Y, WINFIELD, MO 63389-2214
Document Number	2447/243
Book / Page	2447 / 243
Map Reference	MB 1 PG 354
Instrument Date	May 15, 2020
Instrument	2020005271
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 HIGHWAY Y, WINFIELD, MO 63389-2214

Mortgage

Document Number	2020005272
Date	May 27, 2020
Instrument	2020005272

Lender

Name	BANK OF OLD MONROE
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Aug 10, 2018
Property Address	446 HIGHWAY Y, WINFIELD, MO 63389-2214
Document Number	2425/0742
Book / Page	2425 / 0742
Map Reference	MB1 PG354
Instrument Date	Aug 7, 2018
Instrument	2018007133
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	446 HIGHWAY EE, 446, WINFIELD, MO 63389-3210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 HIGHWAY N, WINFIELD, MO 63389-3210

Mortgage

Document Number	2018007134
Date	Aug 10, 2018
Instrument	2018007134

Lender

Name	BANK OF OLD MONROE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 446 Hwy Y was $3,657.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Unified School District	Winfield R-IV School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,842 (-) Land $4,427 Building $59,415
2025	$3,657.00	$63,842 Land $4,427 Building $59,415	$336,010 Land $23,300 Building $312,710
2023	$3,388.00 (+5.71%)	$58,896 Land $4,085 Building $54,811	$309,980 Land $21,500 Building $288,480
2022	$3,205.00

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 446 Hwy Y in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1993.

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
Flood Insurance Cost	Premium on File median of 33 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	24 (1993–2019)
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2019 · 15 claims Severe Storms And Flooding, Jun 2008 · 5 claims

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 446 Hwy Y is low, with a 0.06% annual chance of 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	0.06% 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	LINCOLN COUNTY PWSD 1 serves 14,000 people · EPA ID MO6024340
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy Y

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