81 Pine Lake Dr, Troy, MO 63379 Property Records

Lincoln County property record for 81 Pine Lake Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 2,076 sqft · built 2013
Lot Size	2.51 acres (109,336 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,500 (Aug 2013)
Tax Bill	$4,204 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-60-23-000-000-015.015`

Property Details

APN / Parcel Number

Primary APN	`19-60-23-000-000-015.015`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,076 sqft Living Area
Basement Area	2,076 sqft
Unfinished Basement	2,076 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	109,336 sqft (2.51 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	81 PINE LAKE DR
City	TROY
State	MO
Zip	63379-3885
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 PINE LAKE ESTATES
Legal Range	01W
Legal Township	48N
Legal Section	23
Legal Subdivision	PINE LAKE ESTATES
Legal Lot Number	15
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	81 PINE LAKE DR, TROY, MO 63379-3885
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2013 · Amount on Record
Deed Sale	Aug 23, 2013 · Amount on Record
Deed Document Number	20137865
Deed Book / Page	2325 / 798
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	81 PINE LAKE DR, TROY, MO 63379-3885
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	SELECT TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 PINE LAKE DR, TROY, MO 63379-3885

Mortgage

Document Number	2471/166
Date	Oct 19, 2021
Book Page	2471/166
Instrument	2021013740

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	81 PINE LAKE DR, TROY, MO 63379-3885
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SELECT TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2450/784
Date	Aug 12, 2020
Book Page	2450/784
Instrument	2020008830

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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		$72,135 (+4.87%) Land $9,215 Building $62,920
2025	$4,204.00 (+7.08%)	$68,788 (+8.57%) Land $9,215 Building $59,573	$379,660 (+13.86%) Land $48,500 Building $331,160
2023	$3,926.00 (+4.28%)	$63,356 Land $7,315 Building $56,041	$333,450 Land $38,500 Building $294,950
2022	$3,765.00

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 · 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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