490 Charles St, Troy, MO 63379 Property Records

Lincoln County property record for 490 Charles St, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1985
Lot Size	0.212 acres (9,235 sqft)
Owner	Company Name on File
Tax Bill	$1,434 (2025)
Deeds & Mortgages	May 2020 Transfer Mar 2020 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`15-70-26-003-005-049.004`

Property Details

APN / Parcel Number

Primary APN	`15-70-26-003-005-049.004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Basement Area	1,008 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,235 sqft (0.212 acres)
Lot Dimensions	99.7 ft deep x 92.5 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	490 CHARLES ST
City	TROY
State	MO
Zip	63379-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	92.5' X 99.75' TRACT N PT LOTS 27 & 28 NAGLE SUBD
Legal Range	01W
Legal Township	49
Legal Section	26
Legal Subdivision	NAGLE
Legal Tract	N
Legal Lot Number	27-28 28
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	5
Census Block	5039
Census Tract	810305

Owner

Source: Lincoln County assessment roll, as of June 1, 2025

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

Owner of Record	Company Name on File
Mailing Address	411 S LINCOLN DR, TROY, MO 63379-2803
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 5, 2020	Quit Claim Deed, Transfer Quitclaim
Mar 12, 2020	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Verified Name on Deed
Prior Sale	Apr 29, 2010
Last Transfer Date	May 5, 2020
Transfer Doc	2446/375
Record Updated	Jun 8, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN MO
Recording Date	May 5, 2020
Property Address	490 CHARLES ST, TROY, MO 63379-2124
Document Number	2446/375
Book / Page	2446 / 375
Map Reference	MB 4 PG 37
Instrument Date	May 5, 2020
Instrument	2020004384
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2211 1ST CAPITOL DR, 2211, SAINT CHARLES, MO 63301-5805

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 S LINCOLN DR, TROY, MO 63379-2803

March 2020: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LINCOLN MO
Recording Date	Mar 12, 2020
Property Address	490 CHARLES ST, TROY, MO 63379-2124
Document Number	2444/414
Book / Page	2444 / 414
Map Reference	MB 4 PG 37
Instrument Date	Feb 7, 2020
Instrument	2020002415
Transaction Type	Foreclosure
Record Updated	Aug 31, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2211 1ST CAPITOL DR, SAINT CHARLES, MO 63301-5805

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of June 1, 2025

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
2025	$1,434.00 (+7.9%)	$22,826 (+9.24%) Land $2,240 Building $20,586	$120,140 (+9.24%) Land $11,790 Building $108,350
2023	$1,329.00 (+6.15%)	$20,896 Land $1,493 Building $19,403	$109,980 Land $7,860 Building $102,120
2022	$1,252.00

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

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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