492 Meadow Spring Dr, Troy, MO 63379 Property Records

Lincoln County property record for 492 Meadow Spring Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,289 sqft · built 2006
Lot Size	0.622 acres (27,094 sqft)
Owner	Individual Name on Record
Last Sale	$184,100 (Nov 2018)
Tax Bill	$2,177 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-80-34-004-002-106.000`

Property Details

APN / Parcel Number

Primary APN	`15-80-34-004-002-106.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,289 sqft Living Area
Basement Area	1,289 sqft
Unfinished Basement	1,289 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,094 sqft (0.622 acres)
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	492 MEADOW SPRING DR
City	TROY
State	MO
Zip	63379-7219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 106 MEADOWRIDGE PLAT 2
Legal Range	01W
Legal Township	49N
Legal Section	34
Legal Subdivision	MEADOWRIDGE PLAT 2
Legal Lot Number	106
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	3
Census Block	3010
Census Tract	810203

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	492 MEADOW SPRING DR, TROY, MO 63379-7219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Dec 21, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION
Nov 19, 2018	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2018 · Amount on Record
Deed Sale	Nov 19, 2018 · Amount on Record
Prior Sale	Nov 20, 2006 · Amount on Record
Deed Document Number	201810462
Deed Book / Page	2429 / 49
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	492 MEADOW SPRING DR, TROY, MO 63379-7219
Transaction Type	Mortgage
Record Updated	Jan 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 MEADOW SPRING DR, TROY, MO 63379-7219

Mortgage

Document Number	002473/284
Date	Dec 7, 2021
Book Page	2473/284
Instrument	2021015869

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	492 MEADOW SPRING DR, TROY, MO 63379-7219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2452/475
Date	Sep 17, 2020
Book Page	2452/475
Instrument	2020010537

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	6240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	492 MEADOW SPRING DR, TROY, MO 63379-7219
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2429/0977
Date	Dec 21, 2018
Book Page	2429/0977
Instrument	2018011394

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Funding / Finance Company
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 19, 2018
Property Address	492 MEADOW SPRING DR, TROY, MO 63379-7219
Document Number	2429/0049
Book / Page	2429 / 0049
Map Reference	MB 14 PG 45
Instrument Date	Nov 15, 2018
Instrument	2018010462
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 MEADOW SPRING DR, TROY, MO 63379-7219

Mortgage

Document Number	2018010463
Date	Nov 19, 2018
Instrument	2018010463

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

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		$34,649 (-) Land $5,039 Building $29,610
2025	$2,177.00 (+7.67%)	$34,649 (+8.99%) Land $5,039 Building $29,610	$182,360 (+8.99%) Land $26,520 Building $155,840
2023	$2,022.00 (+5.75%)	$31,791 Land $3,893 Building $27,898	$167,320 Land $20,490 Building $146,830
2022	$1,912.00

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 · 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
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.01% 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber	940 / 940
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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