121 Stable Ridge Dr, Troy, MO 63379 Property Records

Lincoln County property record for 121 Stable Ridge Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,440 sqft · built 2001
Lot Size	0.291 acres (12,676 sqft)
Owner	2 Individual Names on Record
Last Sale	$248,100 (Nov 2018)
Tax Bill	$2,473 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-80-28-000-000-004.011`

Property Details

APN / Parcel Number

Primary APN	`14-80-28-000-000-004.011`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,676 sqft (0.291 acres)
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	121 STABLE RIDGE DR
City	TROY
State	MO
Zip	63379-6312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BERNHARDT MEADOWS
Legal Range	01E
Legal Township	49N
Legal Section	28
Legal Subdivision	BERNHARDT MEADOWS
Legal Lot Number	11
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1012
Census Tract	810310

Owner

Source: Lincoln County records, as of December 2, 2025

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	121 STABLE RIDGE DR, TROY, MO 63379-6312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 16, 2018	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	Dec 15, 2010 · Amount on Record
Deed Document Number	201810382
Deed Book / Page	2428 / 969
Prior Transfer Date	Dec 9, 2010
Prior Transfer Doc	2174/0942
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	121 STABLE RIDGE DR, TROY, MO 63379-6312
Transaction Type	Mortgage
Record Updated	Sep 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2435/0751
Date	Jul 10, 2019
Book Page	2435/0751
Instrument	2019005617

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 16, 2018
Property Address	121 STABLE RIDGE DR, TROY, MO 63379-6312
Document Number	2428/0969
Book / Page	2428 / 0969
Map Reference	MB 13 PG 38
Instrument Date	Nov 13, 2018
Instrument	2018010382
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	SELECT TITLE GROUP, SELECT TITLE GROP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 STABLE RIDGE DR, 121, TROY, MO 63379-6312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 STABLE RIDGE DR, TROY, MO 63379-6312

Mortgage

Document Number	2018010383
Date	Nov 16, 2018
Instrument	2018010383

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 11, 2025

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
2025	$2,473.00 (+7.1%)	$40,472 (+8.59%) Land $5,088 Building $35,384	$213,010 (+8.6%) Land $26,780 Building $186,230
2023	$2,309.00 (+4.81%)	$37,269 Land $4,231 Building $33,037	$196,150 Land $22,270 Building $173,880
2022	$2,203.00

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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.04% 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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

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

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