965 Chelle Ln, Troy, MO 63379 Property Records

Lincoln County property record for 965 Chelle Ln, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,530 sqft · built 1991
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$155,600 (May 2020)
Tax Bill	$2,066 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-80-34-001-003-019.017`

Property Details

APN / Parcel Number

Primary APN	`15-80-34-001-003-019.017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,530 sqft Living Area
Basement Area	1,530 sqft
Unfinished Basement	1,530 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,265 sqft (0.58 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	965 CHELLE LN
City	TROY
State	MO
Zip	63379-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 52 BUCHANAN CREEK ESTATES PLAT 4
Legal Range	01W
Legal Township	49N
Legal Section	34
Legal Subdivision	BUCHANAN CREEK
Legal Lot Number	52
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1014
Census Tract	810203

Owner

Source: Lincoln County assessment roll, as of September 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	965 CHELLE LN, TROY, MO 63379-2206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 24, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF OLD MONROE
Oct 25, 2022	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
May 27, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF OLD MONROE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 27, 2020 · Amount on Record
Deed Sale	May 27, 2020 · Amount on Record
Prior Sale	Aug 27, 2015 · Amount on Record
Deed Document Number	20205263
Deed Book / Page	2447 / 235
Prior Transfer Date	May 2, 2020
Prior Transfer Doc	002447/235
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	965 CHELLE LN, TROY, MO 63379-2206
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 CHELLE LN, TROY, MO 63379-2206

Mortgage

Document Number	002517/176
Date	Jan 5, 2026
Book Page	2517/176
Instrument	2026000053

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	965 CHELLE LN, TROY, MO 63379-2206
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	MEYER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002451/286
Date	Aug 24, 2020
Book Page	2451/286
Instrument	2020009342

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Oct 25, 2022
Property Address	965 CHELLE LN, TROY, MO 63379-2206
Document Number	002484/987
Book / Page	2484 / 987
Instrument Date	Oct 21, 2022
Instrument	2022010764
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	920 PARK CT, SAINT CHARLES, MO 63303-2754

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	965 CHELLE LN, TROY, MO 63379-2206

Mortgage

Document Number	2022010765
Date	Oct 25, 2022
Instrument	2022010765

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	May 27, 2020
Property Address	965 CHELLE LN, TROY, MO 63379-2206
Document Number	002447/235
Book / Page	2447 / 235
Map Reference	MB 11 PG 29A
Instrument Date	May 2, 2020
Instrument	2020005263
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	MEYER TITLE COMPANY, MEYER TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	965 CHELLE LN, TROY, MO 63379-2206

Mortgage

Document Number	2020005264
Date	May 27, 2020
Instrument	2020005264

Lender

Name	BANK OF OLD MONROE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2040

Interest

Index	5-Year CMT

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 11, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Municipality	Troy City
Unified School District	Troy R-III School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,066.00 (+3.09%)	$34,852 (+10.64%) Land $4,986 Building $29,866	$183,430 (+10.64%) Land $26,240 Building $157,190
2023	$2,004.00 (+4.76%)	$31,500 (+5.25%) Land $3,851 Building $27,649	$165,790 (+5.24%) Land $20,270 Building $145,520
2022	$1,913.00	$29,930 Land $3,851 Building $26,079
2021			$157,530 Land $20,270 Building $137,260

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 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds, And 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	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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	TROY PWS serves 15,000 people · EPA ID MO6010798
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Brightspeed, Wisper ISP.

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