985 Cave Farm Rd, Troy, MO 63379 Property Records

Lincoln County property record for 985 Cave Farm Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,957 sqft · built 2019
Lot Size	25.5 acres (1,110,780 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,305 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-40-19-000-000-018.000`

Property Details

APN / Parcel Number

Primary APN	`15-40-19-000-000-018.000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,957 sqft Living Area
Basement Area	2,957 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,110,780 sqft (25.5 acres)
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	985 CAVE FARM RD
City	TROY
State	MO
Zip	63379-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25.50 AC SESE EXC S366' CO RD 193
Legal Range	01W
Legal Township	49N
Legal Section	19
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1016
Census Tract	810203

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	985 CAVE FARM RD, TROY, MO 63379-4515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2018	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO
Sep 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO

Assessor's Deed Record

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	985 CAVE FARM RD, TROY, MO 63379-4515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2425/0661
Date	Aug 8, 2018
Book Page	2425/0661
Instrument	2018007052

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	9 Months
Due	Apr 30, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	985 CAVE FARM RD, TROY, MO 63379-4515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2449/30
Date	Jul 6, 2020
Book Page	2449/30
Instrument	2020007070

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	985 CAVE FARM RD, TROY, MO 63379-4515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MEYER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2437/0888
Date	Sep 5, 2019
Book Page	2437/0888
Instrument	2019007775

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2034

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		$87,227 (-) Land $3,963 Building $83,264
2025	$5,305.00 (+5.47%)	$87,227 (+6.9%) Land $3,963 Building $83,264	$459,090 (+6.9%) Land $20,860 Building $438,230
2023	$5,030.00 (+5.32%)	$81,597 Land $3,811 Building $77,786	$429,460 Land $20,060 Building $409,400
2022	$4,776.00

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 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 65% of the US · lower than 75% 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.

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)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cave Farm Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures