118 Ridgecrest Dr, Troy, MO 63379 Property Records

Lincoln County property record for 118 Ridgecrest Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,247 sqft · built 2008
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$374,100 (Oct 2019)
Tax Bill	$3,607 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-70-26-000-000-016.015`

Property Details

APN / Parcel Number

Primary APN	`08-70-26-000-000-016.015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,247 sqft Living Area
Basement Area	2,247 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Area	1,070 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	118 RIDGECREST DR
City	TROY
State	MO
Zip	63379-4880
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 RIDGECREST ESTATES
Legal Range	01W
Legal Township	50N
Legal Section	26
Legal Subdivision	RIDGECREST EST
Legal Lot Number	5
Jurisdiction	LINCOLN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2089
Census Tract	810205

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	118 RIDGECREST DR, TROY, MO 63379-4880
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 9, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 17, 2017	Deed of Trust, Mortgage · SBA Mortgage MIDWEST REGIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2019 · Amount on Record
Deed Sale	Oct 9, 2019 · Amount on Record
Prior Sale	Jul 23, 2007 · Amount on Record
Deed Document Number	20199127
Deed Book / Page	2439 / 238
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	118 RIDGECREST DR, TROY, MO 63379-4880
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2459/642
Date	Feb 17, 2021
Book Page	2459/642
Instrument	2021002141

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2041

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	118 RIDGECREST DR, TROY, MO 63379-4880
Transaction Type	Mortgage
Record Updated	May 26, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2445/753
Date	Apr 20, 2020
Book Page	2445/753
Instrument	2020003762

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Oct 9, 2019
Property Address	118 RIDGECREST DR, TROY, MO 63379-4880
Document Number	2439/0238
Book / Page	2439 / 0238
Instrument Date	Oct 4, 2019
Instrument	2019009127
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9799 COUNTY ROAD 1006, 9799, AUXVASSE, MO 65231-3415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 RIDGECREST DR, TROY, MO 63379-4880

Mortgage

Document Number	2019009168
Date	Oct 9, 2019
Instrument	2019009168

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	118 RIDGECREST DR, TROY, MO 63379-4880
Transaction Type	Mortgage
Record Updated	Jun 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017003259
Date	Apr 17, 2017
Book Page	2409/0828
Instrument	2017003259

Lender

Name	MIDWEST REGIONAL BANK
Type	Bank
Address	FESTUS, MO 63028

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$59,018 (-) Land $7,505 Building $51,513
2025	$3,607.00 (+10.64%)	$59,018 (+12.18%) Land $7,505 Building $51,513	$310,620 (+12.18%) Land $39,500 Building $271,120
2023	$3,260.00 (+4.15%)	$52,611 Land $5,795 Building $46,816	$276,900 Land $30,500 Building $246,400
2022	$3,130.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20
Systec Wireless Communications Fixed Wireless	100 / 20
Brightspeed DSL	80 / 10

May also be available: AT&T.

Nearby Properties on Ridgecrest Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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