523 Cass Dr, Troy, MO 63379 Property Records

Lincoln County property record for 523 Cass Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,345 sqft · built 2018
Lot Size	0.465 acres (20,255 sqft)
Owner	2 Individual Names on Record
Last Sale	$227,300 (Feb 2018)
Tax Bill	$2,464 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Sep 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-60-13-000-000-005.188`

Property Details

APN / Parcel Number

Primary APN	`19-60-13-000-000-005.188`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,345 sqft Living Area
Basement Area	1,345 sqft
Unfinished Basement	1,345 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	20,255 sqft (0.465 acres)
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	523 CASS DR
City	TROY
State	MO
Zip	63379-3454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 188 CASSCADES OF ROCKPORT
Legal Range	01W
Legal Township	48N
Legal Section	13
Legal Subdivision	ROCKPORT
Legal Lot Number	188
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2004
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	523 CASS DR, TROY, MO 63379-3454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 27, 2017	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK & TRUST CO
Feb 8, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2018 · Amount on Record
Deed Sale	Feb 8, 2018 · Amount on Record
Deed Document Number	20181082
Deed Book / Page	2419 / 730
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	523 CASS DR, TROY, MO 63379-3454
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 CASS DR, TROY, MO 63379-3454

Mortgage

Document Number	002477/185
Date	Mar 21, 2022
Book Page	2477/185
Instrument	2022002911

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 25, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	523 CASS DR, TROY, MO 63379-3454
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2415/0689
Date	Sep 27, 2017
Book Page	2415/0689
Instrument	2017009169

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 8, 2018
Property Address	523 CASS DR, TROY, MO 63379-3454
Document Number	2419/0730
Book / Page	2419 / 0730
Map Reference	MB14 PG300
Instrument Date	Feb 7, 2018
Instrument	2018001082
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
Relationship	Tenants by the Entirety
Address	523 CASS DR, TROY, MO 63379-3454

Mortgage

Document Number	2018001083
Date	Feb 8, 2018
Instrument	2018001083

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional 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		$40,318 (-) Land $6,536 Building $33,782
2025	$2,464.00 (+8.07%)	$40,318 (+9.57%) Land $6,536 Building $33,782	$212,200 (+9.57%) Land $34,400 Building $177,800
2023	$2,280.00 (+5.6%)	$36,795 Land $5,254 Building $31,542	$193,660 Land $27,650 Building $166,010
2022	$2,159.00

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	0.03% 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 220 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: Spectrum, Systec Wireless Communications, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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