75 Cedar Creek Ln, Troy, MO 63379 Property Records

Lincoln County property record for 75 Cedar Creek Ln, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,252 sqft · built 1980
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,774 (2025)
Deeds & Mortgages	Oct 2011 Mortgage Apr 2010 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-90-29-000-000-005.001`

Property Details

APN / Parcel Number

Primary APN	`14-90-29-000-000-005.001`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	2,252 sqft Living Area
Basement Area	2,252 sqft
Unfinished Basement	2,252 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	75 CEDAR CREEK LN
City	TROY
State	MO
Zip	63379-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.00 AC IN THE NW PT OF THE W1/2 NWNE OF SEC 29: OFF HWY 47
Legal Range	01E
Legal Township	49N
Legal Section	29
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1026
Census Tract	810310

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	75 CEDAR CREEK LN, TROY, MO 63379-2029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2011	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO
Apr 1, 2010	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO
Mar 20, 2006	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA ND
Feb 28, 2013	Deed of Trust, Mortgage · Conventional Mortgage BANK OF OLD MONROE
Nov 5, 2025	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	75 CEDAR CREEK LN, TROY, MO 63379-2029
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02217/0194
Date	Oct 26, 2011
Book Page	2217/0194
Instrument	20110008773

Lender

Name	PEOPLES BANK & TRUST CO
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2031

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	75 CEDAR CREEK LN, TROY, MO 63379-2029
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02134/0606
Date	Apr 1, 2010
Book Page	2134/0606
Instrument	20100002349

Lender

Name	PEOPLES BANK & TRUST CO
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2040

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	75 CEDAR CREEK LN, TROY, MO 63379-2029
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01839/0139
Date	Mar 20, 2006
Book Page	1839/0139
Instrument	20060003343

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	75 CEDAR CREEK LN, TROY, MO 63379-2029
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02296/0290
Date	Feb 28, 2013
Book Page	2296/0290
Instrument	20130001855

Lender

Name	BANK OF OLD MONROE
Address	OLD MONROE, MO 63369

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2028

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 5, 2025
Property Address	75 CEDAR CREEK LN, TROY, MO 63379-2029
Document Number	002515/487
Book / Page	2515 / 487
Instrument Date	Oct 31, 2025
Instrument	2025009051
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2555 HIGHWAY W, SHELBYVILLE, MO 63469-2313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 CEDAR CREEK LN, TROY, MO 63379-2029

Mortgage

Document Number	2025009052
Date	Nov 5, 2025
Instrument	2025009052

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.8%

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		$47,517 (+2.49%) Land $4,925 Building $42,592
2025	$2,774.00 (+6.41%)	$46,362 (+8.32%) Land $4,925 Building $41,437	$250,090 (+11.02%) Land $25,920 Building $224,170
2023	$2,607.00 (+5.8%)	$42,799 Land $4,602 Building $38,198	$225,260 Land $24,220 Building $201,040
2022	$2,464.00

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

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 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	LINCOLN COUNTY PWSD 1 serves 14,000 people · EPA ID MO6024340
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Systec Wireless Communications.

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