85 Southgate Dr, Troy, MO 63379 Property Records

Lincoln County property record for 85 Southgate Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,794 sqft · built 1987
Lot Size	3.05 acres (132,858 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Jul 2020)
Tax Bill	$3,791 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-20-03-000-000-006.019`

Property Details

APN / Parcel Number

Primary APN	`19-20-03-000-000-006.019`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,794 sqft Living Area
Basement Area	1,794 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	132,858 sqft (3.05 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	85 SOUTHGATE DR
City	TROY
State	MO
Zip	63379-2286
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 SOUTHGATE ESTATES
Legal Range	01W
Legal Township	48N
Legal Section	03
Legal Subdivision	SOUTHGATE
Legal Lot Number	21
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	3
Census Block	3039
Census Tract	810203

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 File
Mailing Address	85 SOUTHGATE DR, TROY, MO 63379-2286
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 29, 2020	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2020 · Amount on File
Deed Sale	Jul 29, 2020 · Amount on File
Prior Sale	Aug 18, 2015 · Amount on File
Deed Document Number	20208197
Deed Book / Page	2450 / 155
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	85 SOUTHGATE DR, TROY, MO 63379-2286
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 SOUTHGATE DR, TROY, MO 63379-2286

Mortgage

Document Number	002518/279
Date	Feb 11, 2026
Book Page	2518/279
Instrument	2026001174

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Mar 2, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 29, 2020
Property Address	85 SOUTHGATE DR, TROY, MO 63379-2286
Document Number	2450/155
Book / Page	2450 / 155
Map Reference	MB 11 PG 3&4
Instrument Date	Jul 21, 2020
Instrument	2020008197
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	85 STONEGATE DR, TROY, MO 63379-2943

Mortgage

Document Number	2020008198
Date	Jul 29, 2020
Instrument	2020008198

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2040

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		$65,107 (-) Land $7,619 Building $57,488
2025	$3,791.00 (+2.02%)	$65,107 (+8.56%) Land $7,619 Building $57,488	$342,670 (+8.56%) Land $40,100 Building $302,570
2023	$3,716.00 (+4.82%)	$59,974 Land $6,460 Building $53,514	$315,650 Land $34,000 Building $281,650
2022	$3,545.00

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
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

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

Wildfire Risk	Low lower than 94% of the US · lower than 91% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Wisper ISP.

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