509 Willow Grove Ct, Troy, MO 63379 Property Records

Lincoln County property record for 509 Willow Grove Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,563 sqft · built 2000
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,748 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-90-32-000-000-002.038`

Property Details

APN / Parcel Number

Primary APN	`15-90-32-000-000-002.038`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,563 sqft Living Area
Basement Area	2,563 sqft
Unfinished Basement	2,563 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	60,113 sqft (1.38 acres)
Garage Type	Mixed
Garage Area	1,133 sqft
Parking Spaces	4 Parking Spaces
Total Buildings	2 Buildings

Location & Zoning

Street Address	509 WILLOW GROVE CT
City	TROY
State	MO
Zip	63379-4447
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38 & 39A WESTBOROUGH ESTATES PLAT 1
Legal Range	01W
Legal Township	49N
Legal Section	32
Legal Subdivision	WESTBOROUGH ESTATES
Legal Lot Number	38-39A
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1015
Census Tract	810203

Owner

509 Willow Grove Ct is owned and occupied by two individuals who acquired it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	509 WILLOW GROVE CT, TROY, MO 63379-4447
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Deed of Trust, Mortgage · Line of Credit FIRST STATE COMMUNITY BANK
Jan 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES SAVINGS BANK OF RHINELAND
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES NATIONAL BANK NA
Jun 20, 2023	Warranty Deed, Transfer TITLE PARTNERS AGENCY LLC
Feb 3, 2020	Beneficiary Deed, Transfer
Jun 26, 2018	Warranty Deed, Transfer · Conventional Mortgage THEBANK EDWARDSVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2020
Deed Sale	Feb 3, 2020
Prior Sale	Jun 26, 2018 · Amount on File
Deed Document Number	20201105
Deed Book / Page	2443 / 108
Prior Transfer Date	Jan 23, 2020
Prior Transfer Doc	002443/108
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	509 WILLOW GROVE CT, TROY, MO 63379-4447
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 WILLOW GROVE CT, TROY, MO 63379-4447

Mortgage

Document Number	002493/357
Date	Aug 28, 2023
Book Page	2493/357
Instrument	2023006586

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank
Address	WARRENTON, MO 63383

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	509 WILLOW GROVE CT, TROY, MO 63379-4447
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02418/0888
Date	Jan 9, 2018
Book Page	2418/0888
Instrument	2018000232

Lender

Name	PEOPLES SAVINGS BANK OF RHINELAND
Type	Bank
Address	HERMANN, MO 65041

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	509 WILLOW GROVE CT, TROY, MO 63379-4447
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002447/283
Date	May 28, 2020
Book Page	2447/283
Instrument	2020005311

Lender

Name	PEOPLES NATIONAL BANK NA
Type	Bank
Address	MOUNT VERNON, IL 62864

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 20, 2023
Property Address	509 WILLOW GROVE CT, TROY, MO 63379-4447
Document Number	002491/384
Book / Page	2491 / 384
Map Reference	MB 13 PG 21
Instrument Date	Jun 14, 2023
Instrument	2023004582
Transaction Type	Transfer
Record Updated	Aug 8, 2023
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	192 N LINCOLN DR, TROY, MO 63379-1362

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 WILLOW GROVE CT, TROY, MO 63379-4447

February 2020: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 3, 2020
Property Address	509 WILLOW GROVE CT, TROY, MO 63379-4447
Document Number	002443/108
Book / Page	2443 / 108
Map Reference	MB 13 PG 21
Instrument Date	Jan 23, 2020
Instrument	2020001105
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4560 SID DR, JACKSON, MI 49201-9061

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 26, 2018
Property Address	509 WILLOW GROVE CT, TROY, MO 63379-4447
Document Number	02424/0174
Book / Page	2424 / 0174
Map Reference	MB13 PG21
Instrument Date	Jun 22, 2018
Instrument	2018005547
Transaction Type	Transfer
Record Updated	Aug 8, 2023
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	318 HAYCASTLE DR, LAKE SAINT LOUIS, MO 63367-5026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 WILLOW GROVE CT, TROY, MO 63379-4447

Mortgage

Document Number	2018005549
Date	Jun 26, 2018
Instrument	2018005549

Lender

Name	THEBANK EDWARDSVILLE
Type	Private Party

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 509 Willow Grove Ct was $4,748.

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		$81,550 (-) Land $9,880 Building $71,670
2025	$4,748.00	$81,550 Land $9,880 Building $71,670	$429,210 Land $52,000 Building $377,210
2023	$4,654.00 (+5.87%)	$75,105 (+6.41%) Land $7,980 Building $67,125	$395,290 Land $42,000 Building $353,290
2022	$4,396.00	$70,583 Land $7,980 Building $62,603
2021			$371,490 Land $42,000 Building $329,490

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

Flood

FEMA maps place 509 Willow Grove Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds, And 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

Wildfire risk around 509 Willow Grove Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 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
Wisper ISP Fixed Wireless	400 / 30

May also be available: Systec Wireless Communications, Verizon.

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