Lincoln County property record for 45 Lake Bend Dr, Winfield, MO 63389
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,603 sqft · built 2025 |
| Lot Size | 1.97 acres (85,813 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,843 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-10-02-000-000-018.032 |
| Primary APN | 13-10-02-000-000-018.032 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,603 sqft Living Area |
| Basement Area | 2,603 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Architectural Style | Ranch |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 85,813 sqft (1.97 acres) |
| Garage Area | 980 sqft |
| Parking Spaces | 4 Parking Spaces |
| Street Address | 45 LAKE BEND DR |
|---|---|
| City | WINFIELD |
| State | MO |
| Zip | 63389-2223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 32 IN WOODS OF SANDY CREEK |
| Legal Range | 02E |
| Legal Township | 49N |
| Legal Section | 17 |
| Legal Subdivision | SANDY CREEK |
| Legal Lot Number | 32 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | BURR OAK |
| Census Block Group | 1 |
| Census Block | 1075 |
| Census Tract | 810401 |
45 Lake Bend 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 | 45 LAKE BEND DR, WINFIELD, MO 63389-2223 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 45 LAKE BEND DR, WINFIELD, MO 63389-2223 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Title Company | ALL COUNTY TITLE COMPANY, ALL COUNTY TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 45 LAKE BEND DR, WINFIELD, MO 63389-2223 |
| Document Number | 002511/590 |
|---|---|
| Date | Jul 2, 2025 |
| Book Page | 2511/590 |
| Instrument | 2025005098 |
| Name | PEOPLES SAVINGS BANK BROCKTON |
|---|---|
| Type | Bank |
| Address | HERMANN, MO 65041 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 45 Lake Bend Dr was $2,843.
Source: Lincoln County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Unified School District | Winfield R-IV School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $71,271 Land $6,365 Building $64,906 | ||
| 2025 | $2,843.00 | $375,110 Land $33,500 Building $341,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Lake Bend Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 16 (2008–2022) |
| Most Recent Claim | Sep 2022 · other causes |
| Claims by Event |
|
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 risk around 45 Lake Bend Dr is moderate, ranking above 40% of the US, with a 0.07% 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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
5G (outdoors only) and 4G LTE
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