55 Birch Lake Dr, Troy, MO 63379 Property Records

Lincoln County property record for 55 Birch Lake Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,184 sqft · built 2014
Lot Size	2.51 acres (109,336 sqft)
Owner	Trust Name on File
Last Sale	$281,300 (Oct 2020)
Tax Bill	$4,265 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-60-23-000-000-015.030`

Property Details

APN / Parcel Number

Primary APN	`19-60-23-000-000-015.030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,184 sqft Living Area
Basement Area	2,184 sqft
Unfinished Basement	2,184 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	109,336 sqft (2.51 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	55 BIRCH LAKE DR
City	TROY
State	MO
Zip	63379-3880
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 PINE LAKE ESTATES
Legal Range	01W
Legal Township	48N
Legal Section	23
Legal Subdivision	PINE LAKE ESTATES
Legal Lot Number	30
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2001
Census Tract	810308

Owner

55 Birch Lake Dr is owner-occupied and held in a trust since October 2020.

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

Owner of Record	Trust Name on File
Mailing Address	55 BIRCH LAKE DR, TROY, MO 63379-3880
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF OLD MONROE
Oct 5, 2020	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2020 · Amount on File
Deed Sale	Oct 5, 2020 · Amount on File
Prior Sale	Aug 18, 2014 · Amount on File
Deed Document Number	202011369
Deed Book / Page	2453 / 304
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	55 BIRCH LAKE DR, TROY, MO 63379-3880
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2450/53
Date	Jul 28, 2020
Book Page	2450/53
Instrument	2020008095

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Oct 5, 2020
Property Address	55 BIRCH LAKE DR, TROY, MO 63379-3880
Document Number	2453/304
Book / Page	2453 / 304
Map Reference	MB 13 PG 172
Instrument Date	Oct 1, 2020
Instrument	2020011369
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	55 BIRCH LAKE DR, TROY, MO 63379-3880

Mortgage

Document Number	2020011370
Date	Oct 5, 2020
Instrument	2020011370

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 55 Birch Lake Dr was $4,265.

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		$73,830 (-) Land $9,215 Building $64,615
2025	$4,265.00	$73,830 Land $9,215 Building $64,615	$388,580 Land $48,500 Building $340,080
2023	$4,167.00 (+4.91%)	$67,243 Land $7,315 Building $59,928	$353,910 Land $38,500 Building $315,410
2022	$3,972.00

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

FEMA maps place 55 Birch Lake Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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

Wildfire risk around 55 Birch Lake Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
Brightspeed Fixed Wireless	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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