1121 Ridge Rd, Troy, MO 63379 Property Records

Lincoln County property record for 1121 Ridge Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,440 sqft · built 2019
Lot Size	4.54 acres (198,111 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jan 2019)
Tax Bill	$2,035 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-03-000-000-010.004`

Property Details

APN / Parcel Number

Primary APN	`14-20-03-000-000-010.004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	198,111 sqft (4.54 acres)
Garage Area	880 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1121 RIDGE RD
City	TROY
State	MO
Zip	63379-5657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.548 AC IN NW1/4 SEC 3
Legal Range	01E
Legal Township	49N
Legal Section	03
Jurisdiction	LINCOLN MO
Township / Civil Division	SNOW HILL
Census Block Group	3
Census Block	3000
Census Tract	810309

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	1121 RIDGE RD, TROY, MO 63379-5657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK
Jan 3, 2019	Warranty Deed, Transfer · Line of Credit PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on Record
Deed Sale	Jan 3, 2019 · Amount on Record
Deed Document Number	201936
Deed Book / Page	2430 / 227
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1121 RIDGE RD, TROY, MO 63379-5657
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MEYER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2437/0357
Date	Aug 22, 2019
Book Page	2437/0357
Instrument	2019007235

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1121 RIDGE RD, TROY, MO 63379-5657
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2455/292
Date	Nov 13, 2020
Book Page	2455/292
Instrument	2020013372

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	HANNIBAL, MO 63401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jan 3, 2019
Property Address	1121 RIDGE RD, TROY, MO 63379-5657
Document Number	2430/0227
Book / Page	2430 / 0227
Instrument Date	Jan 2, 2019
Instrument	2019000036
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	MEYER TITLE COMPANY, MEYER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 464, TROY, MO 63379-0464

Mortgage

Document Number	2019000037
Date	Jan 3, 2019
Instrument	2019000037

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Jul 2, 2019

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		$33,297 (-) Land $5,728 Building $27,569
2025	$2,035.00 (+3.99%)	$33,297 (+5.4%) Land $5,728 Building $27,569	$175,250 (+5.4%) Land $30,150 Building $145,100
2023	$1,957.00 (+4.54%)	$31,591 Land $5,225 Building $26,366	$166,270 Land $27,500 Building $138,770
2022	$1,872.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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	LINCOLN COUNTY PWSD 1 serves 14,000 people · EPA ID MO6024340
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
Brightspeed DSL	10 / 1

May also be available: Verizon, Wisper ISP.

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