610 W Cherry St, Troy, MO 63379 Property Records

Lincoln County property record for 610 W Cherry St, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,152 sqft · built 1980
Lot Size	0.294 acres (12,807 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (May 2021)
Tax Bill	$1,454 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Feb 2005 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-70-26-003-014-001.000`

Property Details

APN / Parcel Number

Primary APN	`15-70-26-003-014-001.000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,807 sqft (0.294 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	610 W CHERRY ST
City	TROY
State	MO
Zip	63379-1240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 242 & N 28' LOT 232 WOODS ADDITION
Legal Range	01W
Legal Township	49N
Legal Section	37
Legal Subdivision	WOODS ADDITION
Legal Lot Number	242-232
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	5
Census Block	5012
Census Tract	810305

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	Individual Name on Record
Mailing Address	610 W CHERRY ST, TROY, MO 63379-1240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2025	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 9, 2005	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO
	Deed of Trust, Mortgage
Sep 6, 2024	Warranty Deed, Transfer
May 10, 2021	Warranty Deed, Transfer · Line of Credit BANK OF OLD MONROE
Nov 2, 2012	Special Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Prior Sale	Nov 2, 2012 · Amount on Record
Deed Document Number	20216472
Deed Book / Page	2463 / 954
Prior Transfer Date	Jun 22, 2012
Prior Transfer Doc	02253/0863
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	610 W CHERRY ST, TROY, MO 63379-1240
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1124 FORSYTHE CIR, TROY, MO 63379-1660

Mortgage

Document Number	002508/959
Date	Apr 9, 2025
Book Page	2508/959
Instrument	2025002435

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

Interest

Adjustable	Adjustable Rate Rider

February 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	610 W CHERRY ST, TROY, MO 63379-1240
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01729/0649
Date	Feb 9, 2005
Book Page	1729/0649
Instrument	20050001704

Lender

Name	PEOPLES BANK & TRUST CO
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Jan 24, 2025

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	610 W CHERRY ST, TROY, MO 63379-1240
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Sep 6, 2024
Property Address	610 W CHERRY ST, TROY, MO 63379-1240
Document Number	002503/428
Book / Page	2503 / 428
Map Reference	MB 123 PG 189
Instrument Date	Aug 29, 2024
Instrument	2024006825
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	May 10, 2021
Property Address	610 W CHERRY ST, TROY, MO 63379-1240
Document Number	002463/954
Book / Page	2463 / 954
Instrument Date	May 7, 2021
Instrument	2021006472
Transaction Type	Transfer
Record Updated	Sep 26, 2023
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3123 CREEK RD, MOSCOW MILLS, MO 63362-3154

Mortgage

Document Number	2021006473
Date	May 10, 2021
Instrument	2021006473

Lender

Name	BANK OF OLD MONROE
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2012: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 2, 2012
Property Address	610 W CHERRY ST, TROY, MO 63379-1240
Document Number	02276/0296
Book / Page	2276 / 0296
Instrument Date	Oct 31, 2012
Instrument	2012010156
Transaction Type	Transfer
Record Updated	Sep 26, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 57, WINFIELD, MO 63389-0057

Mortgage

Document Number	02276/0298
Date	Nov 2, 2012
Book Page	2276/0298
Instrument	2012010157

Lender

Name	PEOPLES BANK & TRUST CO
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 3, 2017

Tax Assessment & Valuation

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

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
2026		$23,148 (-) Land $2,708 Building $20,440
2025	$1,454.00 (+11.76%)	$23,148 (+13.18%) Land $2,708 Building $20,440	$121,830 (+13.18%) Land $14,250 Building $107,580
2023	$1,301.00 (+6.03%)	$20,452 Land $1,805 Building $18,647	$107,640 Land $9,500 Building $98,140
2022	$1,227.00

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

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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