510 W Cherry St, Troy, MO 63379 Property Records

Lincoln County property record for 510 W Cherry St, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1935
Lot Size	0.182 acres (7,928 sqft)
Owner	Company Name on Record
Tax Bill	$669 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Oct 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-70-26-003-013-002.000`

Property Details

APN / Parcel Number

Primary APN	`15-70-26-003-013-002.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1935
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,928 sqft (0.182 acres)

Location & Zoning

Street Address	510 W CHERRY ST
City	TROY
State	MO
Zip	63379-1239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 50' LOT 244, E 16' LOT 243, 16' X 20' NE COR LOT 220 & 20' X 50' NW COR LOT 229 WOODS ADDITION
Legal Range	01W
Legal Township	49
Legal Section	26
Legal Subdivision	WOODS ADD
Legal Lot Number	244-229 230
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	5
Census Block	5013
Census Tract	810305

Owner

Source: Lincoln County records, as of December 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 Record
Mailing Address	1105 N 2ND ST, SAINT CHARLES, MO 63301-2101
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK OF MISSOURI
Oct 6, 2020	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF ST CHARLES MO
Jun 26, 2020	Warranty Deed, Transfer · Line of Credit STEPHEN M LUNDERGAN ETAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2020
Deed Sale	Jun 26, 2020
Deed Document Number	2020006763
Deed Book / Page	2448 / 726
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	510 W CHERRY ST, TROY, MO 63379-1239
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002467/661
Date	Jul 30, 2021
Book Page	2467/661
Instrument	2021010213

Lender

Name	AMERICAN BANK OF MISSOURI
Type	Bank
Address	WRIGHT CITY, MO 63390

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	510 W CHERRY ST, TROY, MO 63379-1239
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002453/410
Date	Oct 6, 2020
Book Page	2453/410
Instrument	2020011479

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	35 Months
Due	Sep 18, 2023

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 26, 2020
Property Address	510 W CHERRY ST, TROY, MO 63379-1239
Document Number	002448/726
Book / Page	2448 / 726
Map Reference	MB C PG 375
Instrument Date	Jun 26, 2020
Instrument	2020006763
Transaction Type	Transfer
Record Updated	Sep 26, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	518 CRYSTAL STREAM DR, WENTZVILLE, MO 63385-3762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 N 2ND ST, SAINT CHARLES, MO 63301-2101

Mortgage

Document Number	2020006764
Date	Jun 26, 2020
Instrument	2020006764

Lender

Name	STEPHEN M LUNDERGAN ETAL
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$669.00 (+7.73%)	$10,663 (+9.18%) Land $1,731 Building $8,932	$56,120 (+9.18%) Land $9,110 Building $47,010
2023	$621.00 (+4.37%)	$9,766 Land $1,153 Building $8,613	$51,400 Land $6,070 Building $45,330
2022	$595.00

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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 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 314 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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