645 Hwy J, Troy, MO 63379 Property Records

Lincoln County property record for 645 Hwy J, Troy, MO 63379

Property Summary

Property Type	General Agricultural/Rural
Details	1 bd · 1 ba · 896 sqft · built 1905
Lot Size	44.8 acres (1,954,407 sqft)
Owner	2 Individual Names on File
Last Sale	$801,800 (Oct 2021)
Tax Bill	$130 (2025)
Deeds & Mortgages	Jun 2022 Construction Loan Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-20-03-000-000-015.000`

Property Details

APN / Parcel Number

Primary APN	`19-20-03-000-000-015.000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	896 sqft Living Area
Basement Area	384 sqft
Unfinished Basement	384 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,954,407 sqft (44.8 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	645 HIGHWAY J
City	TROY
State	MO
Zip	63379-2235
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	44.867 AC TRACT IN THE N 1/2 SE1/4 SECT 3 - LYING W OF HWY J, SURVEY 3/761
Legal Range	01W
Legal Township	48N
Legal Section	03
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	3
Census Block	3038
Census Tract	810203

Owner

645 Hwy J, an agricultural property, is owned by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 AUTO XING, TROY, MO 63379-4405
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Intrafamily Transfer, Transfer · Construction Mortgage SOUTHWEST STAGE FUNDING LLC
Oct 12, 2021	Warranty Deed, Transfer · Closed-End Mortgage PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2021 · Amount on File
Deed Sale	Oct 12, 2021 · Amount on File
Deed Document Number	202113495
Deed Book / Page	2470 / 922
Record Updated	Oct 29, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Jun 24, 2022
Property Address	629 HIGHWAY J, TROY, MO 63379-2235
Document Number	002480/907
Book / Page	2480 / 907
Instrument Date	Jun 17, 2022
Instrument	2022006654
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	70 WINSTON WAY, 70, TROY, MO 63379-4788

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 AUTO CROSSING, TROY, MO 63379

Mortgage

Document Number	2022006655
Date	Jun 24, 2022
Instrument	2022006655

Lender

Name	SOUTHWEST STAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	367 Months
Due	Jan 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Oct 12, 2021
Property Address	629 HIGHWAY J, TROY, MO 63379-2235
Document Number	002470/922
Book / Page	2470 / 922
Instrument Date	Oct 1, 2021
Instrument	2021013495
Transaction Type	Transfer
Record Updated	Sep 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1200 LAKE SAINT LOUIS BLVD # 202, 1200, LAKE ST LOUIS, MO 63367-1325

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	70 WINSTON WAY, TROY, MO 63379-4788

Mortgage

Document Number	2021013496
Date	Oct 12, 2021
Instrument	2021013496

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 645 Hwy J was $130.

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		$2,137 (-) Land $2,137
2025	$130.00	$2,137 Land $2,137	$17,810 Land $17,810
2023		$2,137 Land $2,137	$17,810 Land $17,810
2022	$133.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 645 Hwy J in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 in force

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 645 Hwy J is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 78% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Spectrum.

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