460 Charles St, Troy, MO 63379 Property Records

Lincoln County property record for 460 Charles St, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,000 sqft · built 1985
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,100 (Feb 2021)
Tax Bill	$1,505 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-70-26-003-005-049.000`

Property Details

APN / Parcel Number

Primary APN	`15-70-26-003-005-049.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,000 sqft Living Area
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	99.7 ft deep x 82.5 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	460 CHARLES ST
City	TROY
State	MO
Zip	63379-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	82.5' X 99.75' TRACT BEING PT OF LOTS 27 & 28 NAGLE SUBD
Legal Range	01W
Legal Township	49N
Legal Section	37
Legal Subdivision	NAGLE
Legal Lot Number	27-28
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	5
Census Block	5039
Census Tract	810305

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	460 CHARLES ST, TROY, MO 63379-2124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Feb 26, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Prior Sale	May 18, 2016 · Amount on Record
Deed Document Number	20212633
Deed Book / Page	2460 / 132
Prior Transfer Date	Aug 30, 2015
Prior Transfer Doc	2398/0805
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	460 CHARLES ST, TROY, MO 63379-2124
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2461/166
Date	Mar 18, 2021
Book Page	2461/166
Instrument	2021003672

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 26, 2021
Property Address	460 CHARLES ST, TROY, MO 63379-2124
Document Number	2460/132
Book / Page	2460 / 132
Instrument Date	Feb 25, 2021
Instrument	2021002633
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	223 JOHN ST, 223, TROY, MO 63379-1341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 CHARLES ST, TROY, MO 63379-2124

Mortgage

Document Number	2021002634
Date	Feb 26, 2021
Instrument	2021002634

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Municipality	Troy City
Unified School District	Troy R-III School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$23,957 (-) Land $1,999 Building $21,958
2025	$1,505.00 (+7.12%)	$23,957 (+8.45%) Land $1,999 Building $21,958	$126,090 (+8.45%) Land $10,520 Building $115,570
2023	$1,405.00 (+6.28%)	$22,091 Land $1,332 Building $20,759	$116,270 Land $7,010 Building $109,260
2022	$1,322.00

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

Source: FEMA National Flood Hazard Layer, effective October 5, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	0.01% annual chance
Exposure	None beyond ember reach

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	TROY PWS serves 15,000 people · EPA ID MO6010798
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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

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