496 Cass Dr, Troy, MO 63379 Property Records

Lincoln County property record for 496 Cass Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,640 sqft · built 2018
Lot Size	0.593 acres (25,831 sqft)
Owner	2 Individual Names on Record
Last Sale	$203,500 (Feb 2018)
Tax Bill	$2,714 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Sep 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-60-13-000-000-005.159`

Property Details

APN / Parcel Number

Primary APN	`19-60-13-000-000-005.159`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,640 sqft Living Area
Basement Area	1,640 sqft
Unfinished Basement	1,640 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,831 sqft (0.593 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	496 CASS DR
City	TROY
State	MO
Zip	63379-3446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 159 CASSCADES OF ROCKPORT
Legal Range	01W
Legal Township	48N
Legal Section	13
Legal Subdivision	ROCKPORT
Legal Lot Number	159
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2002
Census Tract	810308

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	496 CASS DR, TROY, MO 63379-3446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 27, 2017	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK & TRUST CO
Feb 22, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2018 · Amount on Record
Deed Sale	Feb 22, 2018 · Amount on Record
Deed Document Number	20181456
Deed Book / Page	2420 / 102
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	496 CASS DR, TROY, MO 63379-3446
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 CASS DR, TROY, MO 63379-3446

Mortgage

Document Number	002512/393
Date	Jul 29, 2025
Book Page	2512/393
Instrument	2025005904

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	May 1, 2054

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	496 CASS DR, TROY, MO 63379-3446
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2415/0691
Date	Sep 27, 2017
Book Page	2415/0691
Instrument	2017009171

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Mar 27, 2018

February 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 22, 2018
Property Address	496 CASS DR, TROY, MO 63379-3446
Document Number	2420/0102
Book / Page	2420 / 0102
Map Reference	MB14 PG300
Instrument Date	Feb 21, 2018
Instrument	2018001456
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	MEYER TITLE COMPANY, MEYER TITLE CO

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	496 CASS DR, TROY, MO 63379-3446

Mortgage

Document Number	2018001457
Date	Feb 22, 2018
Instrument	2018001457

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$44,407 (-) Land $6,076 Building $38,331
2025	$2,714.00 (+6.47%)	$44,407 (+7.93%) Land $6,076 Building $38,331	$233,720 (+7.93%) Land $31,980 Building $201,740
2023	$2,549.00 (+5.72%)	$41,145 Land $5,159 Building $35,986	$216,550 Land $27,150 Building $189,400
2022	$2,411.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · river or lake flooding

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 80% of the US · lower than 84% 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	PINE LAKE ESTATES private · serves 115 people · EPA ID MO6031642
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Systec Wireless Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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