90 Spring Creek Rd, Troy, MO 63379 Property Records

Lincoln County property record for 90 Spring Creek Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,446 sqft · built 1996
Lot Size	3.92 acres (170,755 sqft)
Owner	Individual Name on Record
Tax Bill	$2,356 (2025)
Deeds & Mortgages	Apr 2022 Second Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`15-50-22-000-000-016.000`

Property Details

APN / Parcel Number

Primary APN	`15-50-22-000-000-016.000`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,446 sqft Living Area
Basement Area	1,446 sqft
Unfinished Basement	1,446 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	170,755 sqft (3.92 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	90 SPRING CREEK RD
City	TROY
State	MO
Zip	63379-3144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.920 AC- PVT RD E HWY H--START S ROW SPRING CK RD & E ROW HWY H E850 NE350 TO P OB NE610 S520 NW350 NW180
Legal Range	01W
Legal Township	49N
Legal Section	22
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1034
Census Tract	810306

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	Individual Name on Record
Mailing Address	90 SPRING CREEK RD, TROY, MO 63379-3144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BUSEY BANK
May 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	90 SPRING CREEK RD, TROY, MO 63379-3144
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 SPRING CREEK RD, TROY, MO 63379-3144

Mortgage

Document Number	002478/493
Date	Apr 21, 2022
Book Page	2478/493
Instrument	2022004228

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 13, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.74%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 13, 2027
Change Frequency	Annually
Min Rate At Change	4.74%
Max Rate At Change	8.74%
Index	1-Year CMT
Max Rate	11.7%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	90 SPRING CREEK RD, TROY, MO 63379-3144
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 SPRING CREEK RD, TROY, MO 63379-3144

Mortgage

Document Number	002478/952
Date	May 2, 2022
Book Page	2478/952
Instrument	2022004691

Lender

Name	BUSEY BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 13, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.74%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	4.74%
Max Rate At Change	8.74%
Index	1-Year CMT
Max Rate	11.7%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	90 SPRING CREEK RD, TROY, MO 63379-3144
Transaction Type	Mortgage
Record Updated	Feb 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017011986
Date	Dec 27, 2017
Book Page	2418/0494
Instrument	2017011986

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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		$38,555 (-) Land $7,771 Building $30,784
2025	$2,356.00 (+7.29%)	$38,555 (+8.79%) Land $7,771 Building $30,784	$202,920 (+8.79%) Land $40,900 Building $162,020
2023	$2,196.00 (+3.83%)	$35,441 Land $7,125 Building $28,316	$186,530 Land $37,500 Building $149,030
2022	$2,115.00

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 8 (10% premium discount)
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 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 2 serves 1,005 people · EPA ID MO6024341
Water Source	Purchased groundwater from TROY PWS
Last State Inspection	May 2023
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Systec Wireless Communications, Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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