1203 Red Oak Ct, Troy, MO 63379 Property Records

Lincoln County property record for 1203 Red Oak Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,518 sqft · built 1996
Lot Size	0.383 acres (16,683 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,800 (Oct 2018)
Tax Bill	$2,221 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-70-35-002-007-023.000`

Property Details

APN / Parcel Number

Primary APN	`15-70-35-002-007-023.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,518 sqft Living Area
Basement Area	1,518 sqft
Unfinished Basement	1,518 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,683 sqft (0.383 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1203 RED OAK CT
City	TROY
State	MO
Zip	63379-2283
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 OAK FOREST
Legal Range	01W
Legal Township	49N
Legal Section	35
Legal Subdivision	OAK FOREST
Legal Lot Number	23
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2006
Census Tract	810305

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	1203 RED OAK CT, TROY, MO 63379-2283
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 20, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 12, 2018	Intrafamily Transfer, Transfer · FHA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2018 · Amount on Record
Deed Sale	Oct 12, 2018 · Amount on Record
Prior Sale	Jun 12, 2009 · Amount on Record
Deed Document Number	20189281
Deed Book / Page	2427 / 876
Prior Transfer Date	Oct 6, 2018
Prior Transfer Doc	2427/0876
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1203 RED OAK CT, TROY, MO 63379-2283
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	MORTGAGE CONNECT, MORTGAGECONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1203 RED OAK CT, TROY, MO 63379-2283

Mortgage

Document Number	002518/257
Date	Feb 10, 2026
Book Page	2518/257
Instrument	2026001152

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	1-Year CMT

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	1203 RED OAK CT, TROY, MO 63379-2283
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1203 RED OAK CT, TROY, MO 63379-2283

Mortgage

Document Number	2467/187
Date	Jul 20, 2021
Book Page	2467/187
Instrument	2021009738

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Jan 1, 2049

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Oct 12, 2018
Property Address	1203 RED OAK CT, TROY, MO 63379-2283
Document Number	2427/0876
Book / Page	2427 / 0876
Map Reference	MB12 PG89
Instrument Date	Oct 6, 2018
Instrument	2018009281
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1203 RED OAK CT, TROY, MO 63379-2283

Mortgage

Document Number	2018009282
Date	Oct 12, 2018
Instrument	2018009282

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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		$35,359 (-) Land $5,037 Building $30,322
2025	$2,221.00 (+8.34%)	$35,359 (+9.69%) Land $5,037 Building $30,322	$186,100 (+9.69%) Land $26,510 Building $159,590
2023	$2,050.00 (+4.75%)	$32,235 Land $3,867 Building $28,369	$169,660 Land $20,350 Building $149,310
2022	$1,957.00

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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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