491 Avery St, Troy, MO 63379 Property Records

Lincoln County property record for 491 Avery St, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 1962
Lot Size	1.02 acres (44,736 sqft)
Owner	Individual on Record
Tax Bill	$2,233 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-80-27-004-002-020.000`

Property Details

APN / Parcel Number

Primary APN	`15-80-27-004-002-020.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,610 sqft Living Area
Basement Area	1,610 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,736 sqft (1.02 acres)
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	491 AVERY ST
City	TROY
State	MO
Zip	63379-2108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S PT LOT 40 AVERY COLLEGE HGTS ADDN AVERY ST S OF LOTS 8,9 SHEETS ADDN
Legal Range	01W
Legal Township	49
Legal Section	27
Legal Subdivision	AVERY COLLEGE HGTS ADDN
Legal Lot Number	40-9 9
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	5
Census Block	5028
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	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	491 AVERY ST, TROY, MO 63379-2108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 18, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2017
Deed Sale	Sep 18, 2017
Deed Document Number	2017008834
Deed Book / Page	2415 / 0354
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	491 AVERY ST, TROY, MO 63379-2108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2449/712
Date	Jul 20, 2020
Book Page	2449/712
Instrument	2020007753

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Sep 18, 2017
Property Address	491 AVERY ST, TROY, MO 63379-2108
Document Number	2415/0354
Book / Page	2415 / 0354
Map Reference	MB2 PG55
Instrument Date	Sep 14, 2017
Instrument	2017008834
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	L COUNTY TITLE, ALL COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 ROBIN HOOD DR, TROY, MO 63379-2393

Mortgage

Document Number	2017008835
Date	Sep 18, 2017
Instrument	2017008835

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	$2,233.00 (+11.54%)	$35,552 (+12.92%) Land $6,678 Building $28,874	$187,120 (+12.93%) Land $35,150 Building $151,970
2023	$2,002.00 (+4.43%)	$31,483 Land $4,452 Building $27,031	$165,700 Land $23,430 Building $142,270
2022	$1,917.00

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	0.02% 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	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 97 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
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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