125 Ridgecrest Dr, Troy, MO 63379 Property Records

Lincoln County property record for 125 Ridgecrest Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,910 sqft · built 2005
Lot Size	3.25 acres (141,570 sqft)
Owner	2 Individual Names on File
Last Sale	$400,200 (Sep 2018)
Tax Bill	$3,821 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-70-26-000-000-016.028`

Property Details

APN / Parcel Number

Primary APN	`08-70-26-000-000-016.028`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,910 sqft Living Area
Basement Area	1,910 sqft
Unfinished Basement	1,910 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	141,570 sqft (3.25 acres)
Garage Area	756 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	125 RIDGECREST DR
City	TROY
State	MO
Zip	63379-4880
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.25 AC TRACT WITHIN LOT 8 RIDGECREST
Legal Range	01W
Legal Township	50N
Legal Section	26
Legal Subdivision	RIDGECREST
Legal Lot Number	8
Jurisdiction	LINCOLN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2089
Census Tract	810205

Owner

125 Ridgecrest Dr is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	125 RIDGECREST DR, TROY, MO 63379-4880
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
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Apr 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 25, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2018 · Amount on File
Deed Sale	Sep 25, 2018 · Amount on File
Prior Sale	Jan 7, 2010 · Amount on File
Deed Document Number	20188668
Deed Book / Page	2427 / 268
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	125 RIDGECREST DR, TROY, MO 63379-4880
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	ATG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2462/180
Date	Apr 7, 2021
Book Page	2462/180
Instrument	2021004689

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	125 RIDGECREST DR, TROY, MO 63379-4880
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	L COUNTY TITLE, ALL COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2421/0340
Date	Apr 3, 2018
Book Page	2421/0340
Instrument	2018002698

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2033

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Sep 25, 2018
Property Address	125 RIDGECREST DR, TROY, MO 63379-4880
Document Number	2427/0268
Book / Page	2427 / 0268
Instrument Date	Sep 19, 2018
Instrument	2018008668
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	1532 HARBOR PTD-302, 1532, TROY, MO 63379

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 RIDGECREST DR, TROY, MO 63379-4880

Mortgage

Document Number	2018008669
Date	Sep 25, 2018
Instrument	2018008669

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 125 Ridgecrest Dr was $3,821.

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		$62,518 (-) Land $8,075 Building $54,443
2025	$3,821.00	$62,518 Land $8,075 Building $54,443	$329,040 Land $42,500 Building $286,540
2023	$3,508.00 (+4.13%)	$56,612 Land $6,223 Building $50,390	$297,960 Land $32,750 Building $265,210
2022	$3,369.00

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 125 Ridgecrest Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 125 Ridgecrest Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 70% 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 26 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	100 / 10

May also be available: AT&T.

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