7 Cedar Lake Ct, Troy, MO 63379 Property Records

Lincoln County property record for 7 Cedar Lake Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,375 sqft · built 2006
Lot Size	2.55 acres (111,078 sqft)
Owner	2 Individual Names on Record
Last Sale	$388,600 (Jan 2020)
Tax Bill	$5,237 (2025)
Deeds & Mortgages	Mar 2022 Second Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-60-23-000-000-015.013`

Property Details

APN / Parcel Number

Primary APN	`19-60-23-000-000-015.013`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	1 Story
Building Area	2,375 sqft Living Area
Basement Area	2,375 sqft
Unfinished Basement	2,375 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Contemporary
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	111,078 sqft (2.55 acres)
Garage Area	666 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	7 CEDAR LAKE CT
City	TROY
State	MO
Zip	63379-3891
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 PINE LAKE ESTATES
Legal Range	01W
Legal Township	48N
Legal Section	23
Legal Subdivision	PINE LAKE ESTATES
Legal Lot Number	13
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	2
Census Block	2001
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	7 CEDAR LAKE CT, TROY, MO 63379-3891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Oct 12, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Jan 25, 2018	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Jan 21, 2020	Special Warranty Deed, Transfer · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jan 21, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2020 · Amount on Record
Deed Sale	Jan 21, 2020 · Amount on Record
Prior Sale	Jan 21, 2020
Deed Document Number	2020593
Deed Book / Page	2442 / 596
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	7 CEDAR LAKE CT, TROY, MO 63379-3891
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 CEDAR LAKE CT, TROY, MO 63379-3891

Mortgage

Document Number	002477/404
Date	Mar 25, 2022
Book Page	2477/404
Instrument	2022003134

Lender

Name	DISCOVER BANK
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	7 CEDAR LAKE CT, TROY, MO 63379-3891
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2470/863
Date	Oct 12, 2021
Book Page	2470/863
Instrument	2021013436

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	7 CEDAR LAKE CT, TROY, MO 63379-3891
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2419/0336
Date	Jan 25, 2018
Book Page	2419/0336
Instrument	2018000680

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jan 21, 2020
Property Address	7 CEDAR LAKE CT, TROY, MO 63379-3891
Document Number	2442/596
Book / Page	2442 / 596
Map Reference	MB 13 PG 172
Instrument Date	Jan 13, 2020
Instrument	2020000593
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 APPLE RIDGE RD, 40, DANBURY, CT 06810-7301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 CEDAR LAKE CT, TROY, MO 63379-3891

Mortgage

Document Number	2020000594
Date	Jan 21, 2020
Instrument	2020000594

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jan 21, 2020
Property Address	7 CEDAR LAKE CT, TROY, MO 63379-3891
Document Number	2442/595
Book / Page	2442 / 595
Map Reference	MB 13 PG 172
Instrument Date	Dec 19, 2019
Instrument	2020000592
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 CEDAR LAKE CT, 7, TROY, MO 63379-3891

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	40 APPLE RIDGE RD, DANBURY, CT 06810-7301

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		$85,690 (-) Land $9,215 Building $76,475
2025	$5,237.00 (+8.05%)	$85,690 (+9.54%) Land $9,215 Building $76,475	$451,000 (+9.54%) Land $48,500 Building $402,500
2023	$4,847.00 (+5.97%)	$78,225 Land $7,315 Building $70,910	$411,710 Land $38,500 Building $373,210
2022	$4,574.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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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