12 Cambridge Ct, Troy, MO 63379 Property Records

Lincoln County property record for 12 Cambridge Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,350 sqft · built 2021
Lot Size	0.268 acres (11,674 sqft)
Owner	2 Individual Names on File
Last Sale	$260,300 (Sep 2020)
Tax Bill	$2,181 (2025)
Deeds & Mortgages	May 2020 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-80-33-000-000-026.115`

Property Details

APN / Parcel Number

Primary APN	`15-80-33-000-000-026.115`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
Basement Area	1,350 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,674 sqft (0.268 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12 CAMBRIDGE CT
City	TROY
State	MO
Zip	63379-3993
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 115 WINGATE ESTATES 2ND ADDN
Legal Range	01W
Legal Township	49N
Legal Section	33
Legal Subdivision	WINGATE
Legal Lot Number	115
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1031
Census Tract	810203

Owner

12 Cambridge Ct is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 CAMBRIDGE CT, TROY, MO 63379-3993
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
May 13, 2020	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO
Sep 3, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST INTEGRITY MORTGAGE SERVICES I

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2020 · Amount on File
Deed Sale	Sep 3, 2020 · Amount on File
Deed Document Number	20209940
Deed Book / Page	2451 / 879
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	12 CAMBRIDGE CT, TROY, MO 63379-3993
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2446/720
Date	May 13, 2020
Book Page	2446/720
Instrument	2020004731

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	6 Months
Due	Nov 13, 2020

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Sep 3, 2020
Property Address	12 CAMBRIDGE CT, TROY, MO 63379-3993
Document Number	2451/879
Book / Page	2451 / 879
Map Reference	MB 14 PG 48
Instrument Date	Sep 3, 2020
Instrument	2020009940
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CAMBRIDGE CT, TROY, MO 63379-3993

Mortgage

Document Number	2020009941
Date	Sep 3, 2020
Instrument	2020009941

Lender

Name	FIRST INTEGRITY MORTGAGE SERVICES I
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12 Cambridge Ct was $2,181.

Source: Lincoln County assessment roll, as of September 21, 2026

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
2026		$34,716 (-) Land $4,590 Building $30,126
2025	$2,181.00	$34,716 Land $4,590 Building $30,126	$182,720 Land $24,160 Building $158,560
2023	$2,033.00 (+5.78%)	$31,966 Land $3,838 Building $28,128	$168,240 Land $20,200 Building $148,040
2022	$1,922.00

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

FEMA maps place 12 Cambridge Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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

Wildfire risk around 12 Cambridge Ct is low, with a 0.03% annual chance of 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	0.03% 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.

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 87 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

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

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