91 Champion Cir, Troy, MO 63379 Property Records

Lincoln County property record for 91 Champion Cir, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,207 sqft · built 2021
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,553 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-80-27-000-000-011.038`

Property Details

APN / Parcel Number

Primary APN	`08-80-27-000-000-011.038`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,207 sqft Living Area
Basement Area	2,207 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Roof Type	Hip
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Area	1,220 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	91 CHAMPION CIR
City	TROY
State	MO
Zip	63379-6921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38 CHAMPION FARMS
Legal Range	01W
Legal Township	50N
Legal Section	27
Legal Subdivision	CHAMPION FARMS
Legal Lot Number	38
Jurisdiction	LINCOLN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2089
Census Tract	810205

Owner

91 Champion Cir is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	91 CHAMPION CIR, TROY, MO 63379-6921
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF OLD MONROE
Apr 17, 2020	Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK OF MISSOURI
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK OF MISSOURI

Assessor's Deed Record

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

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 14, 2022
Property Address	91 CHAMPION CIR, TROY, MO 63379-6921
Document Number	002475/766
Book / Page	2475 / 766
Map Reference	MB 13 PG 199
Instrument Date	Feb 10, 2022
Instrument	2022001486
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 CHAMPION CIR, 91, TROY, MO 63379-6921

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	91 CHAMPION CIR, TROY, MO 63379-6921

Mortgage

Document Number	2022001487
Date	Feb 14, 2022
Instrument	2022001487

Lender

Name	BANK OF OLD MONROE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	91 CHAMPION CIR, TROY, MO 63379-6921
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2445/705
Date	Apr 17, 2020
Book Page	2445/705
Instrument	2020003714

Lender

Name	COMMUNITY STATE BANK OF MISSOURI
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 16, 2021

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	91 CHAMPION CIR, TROY, MO 63379-6921
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2461/839
Date	Mar 31, 2021
Book Page	2461/839
Instrument	2021004348

Lender

Name	COMMUNITY STATE BANK OF MISSOURI
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 91 Champion Cir was $4,553.

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		$74,497 (-) Land $7,505 Building $66,992
2025	$4,553.00	$74,497 Land $7,505 Building $66,992	$392,090 Land $39,500 Building $352,590
2023	$4,329.00 (+5.23%)	$69,865 Land $6,365 Building $63,500	$367,710 Land $33,500 Building $334,210
2022	$4,114.00

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

Flood

FEMA maps place 91 Champion Cir in Zone X, an area of minimal flood risk.

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	5 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

Wildfire risk around 91 Champion Cir is low, with a 0.07% annual chance of 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 67% of Missouri
Wildfire Likelihood	0.07% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Brightspeed DSL	40 / 3
AT&T Fixed Wireless	25 / 3

May also be available: Systec Wireless Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Champion Cir

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