Lincoln County property record for 643 Hwy V, Troy, MO 63379
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,553 sqft · built 1940 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,471 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-40-18-000-000-006.001 |
| Primary APN | 09-40-18-000-000-006.001 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,553 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Area | 345 sqft |
| Parking Spaces | 1 Parking Space |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Street Address | 643 HIGHWAY V |
|---|---|
| City | TROY |
| State | MO |
| Zip | 63379-5074 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3.00 AC IN THE FRAC SWSE OF SEC 18 |
| Legal Range | 01E |
| Legal Township | 50N |
| Legal Section | 18 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | SNOW HILL |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 810100 |
643 Hwy V is owned and occupied by two individuals.
Source: Lincoln County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 643 HIGHWAY V, TROY, MO 63379-5074 |
| 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.
| Date | Document |
|---|---|
| Sep 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 643 HIGHWAY V, TROY, MO 63379-5074 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 643 HIGHWAY V, TROY, MO 63379-5074 |
| Document Number | 2469/993 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 2469/993 |
| Instrument | 2021012562 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 46003 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 263 Months |
| Due | Aug 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 643 HIGHWAY V, TROY, MO 63379-5074 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2020 |
| Name | Verified Name |
|---|
| Document Number | 2447/155 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 2447/155 |
| Instrument | 2020005183 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CHESTERFIELD, MO 63005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 278 Months |
| Due | Jul 1, 2043 |
The 2025 property tax bill for 643 Hwy V was $1,471.
Source: Lincoln County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Unified School District | Elsberry R-II School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $25,948 (-) Land $4,066 Building $21,882 | ||
| 2025 | $1,471.00 | $25,948 Land $4,066 Building $21,882 | $136,570 Land $21,400 Building $115,170 |
| 2023 | $1,397.00 (+2.95%) | $24,343 Land $3,800 Building $20,543 | $128,120 Land $20,000 Building $108,120 |
| 2022 | $1,357.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 643 Hwy V in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 | 3 in force |
| Nearby Flood Claims | 1 (2019) |
| Most Recent Claim | May 2019 · Severe Storms, Tornadoes, 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 risk around 643 Hwy V 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wisper ISP Fixed Wireless | 400 / 30 |
May also be available: Spectrum.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures