447 Winding Woods Dr, Troy, MO 63379 Property Records

Lincoln County property record for 447 Winding Woods Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,033 sqft · built 2010
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$327,500 (Mar 2020)
Tax Bill	$4,000 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Mar 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-80-27-000-000-009.043`

Property Details

APN / Parcel Number

Primary APN	`08-80-27-000-000-009.043`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,033 sqft Living Area
Basement Area	2,033 sqft
Unfinished Basement	2,033 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	447 WINDING WOODS DR
City	TROY
State	MO
Zip	63379-4884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 43 SPRINGHAVEN PLAT 2
Legal Range	01W
Legal Township	50N
Legal Section	27
Legal Subdivision	SPRINGHAVEN
Legal Lot Number	43
Jurisdiction	LINCOLN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2089
Census Tract	810205

Owner

447 Winding Woods Dr is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	447 WINDING WOODS DR, TROY, MO 63379-4884
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 23, 2025	Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK OF MISSOURI
Mar 30, 2023	Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK OF MISSOURI
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK OF MISSOURI
Mar 25, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage COMMUNITY STATE BANK OF MISSOURI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2020 · Amount on File
Deed Sale	Mar 25, 2020 · Amount on File
Prior Sale	Dec 14, 2018
Deed Document Number	20202926
Deed Book / Page	2444 / 919
Prior Transfer Date	Dec 12, 2018
Prior Transfer Doc	0000011202
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	447 WINDING WOODS DR, TROY, MO 63379-4884
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 WINDING WOODS DR, TROY, MO 63379-4884

Mortgage

Document Number	002516/965
Date	Dec 23, 2025
Book Page	2516/965
Instrument	2025010542

Lender

Name	COMMUNITY STATE BANK OF MISSOURI
Type	Bank
Address	BOWLING GREEN, MO 63334

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Jan 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	447 WINDING WOODS DR, TROY, MO 63379-4884
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 WINDING WOODS DR, TROY, MO 63379-4884

Mortgage

Document Number	002489/132
Date	Mar 30, 2023
Book Page	2489/132
Instrument	2023002308

Lender

Name	COMMUNITY STATE BANK OF MISSOURI
Type	Bank
Address	BOWLING GREEN, MO 63334

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Apr 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	447 WINDING WOODS DR, TROY, MO 63379-4884
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2454/905
Date	Nov 5, 2020
Book Page	2454/905
Instrument	2020012985

Lender

Name	COMMUNITY STATE BANK OF MISSOURI
Type	Bank
Address	BOWLING GREEN, MO 63334

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Adjustable	Adjustable Rate Rider

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Mar 25, 2020
Property Address	447 WINDING WOODS DR, TROY, MO 63379-4884
Document Number	2444/919
Book / Page	2444 / 919
Map Reference	MB 13 PG 85
Instrument Date	Mar 24, 2020
Instrument	2020002926
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 WINDING WOODS DR, TROY, MO 63379-4884

Mortgage

Document Number	2020002927
Date	Mar 25, 2020
Instrument	2020002927

Lender

Name	COMMUNITY STATE BANK OF MISSOURI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 447 Winding Woods Dr was $4,000.

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		$65,453 (-) Land $11,400 Building $54,053
2025	$4,000.00	$65,453 Land $11,400 Building $54,053	$344,490 Land $60,000 Building $284,490
2023	$3,641.00 (+3.94%)	$58,765 Land $8,550 Building $50,215	$309,290 Land $45,000 Building $264,290
2022	$3,503.00

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 447 Winding Woods Dr in Zone X, an area of minimal flood risk.

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	5 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

Wildfire risk around 447 Winding Woods Dr is low, with a 0.07% 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	0.07% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	25 / 3
Brightspeed DSL	10 / 1

May also be available: AT&T, Windstream.

Nearby Properties on Winding Woods Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures