14 Saddleback Ridge Dr, Winfield, MO 63389 Property Records

Lincoln County property record for 14 Saddleback Ridge Dr, Winfield, MO 63389

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,560 sqft · built 2010
Lot Size	0.149 acres (6,490 sqft)
Owner	Individual Name on Record
Last Sale	$149,300 (Feb 2020)
Tax Bill	$1,916 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-60-13-000-000-007.227`

Property Details

APN / Parcel Number

Primary APN	`14-60-13-000-000-007.227`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
Basement Area	640 sqft
Unfinished Basement	640 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,490 sqft (0.149 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	14 SADDLEBACK RIDGE DR
City	WINFIELD
State	MO
Zip	63389-2061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 27 BRIDLE SPUR S/D, PLAT 14/134
Legal Range	01E
Legal Township	49N
Legal Section	13
Legal Subdivision	BRIDLE SPUR
Legal Lot Number	27
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1029
Census Tract	810309

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	Individual Name on Record
Mailing Address	14 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2023	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC
Feb 24, 2020	Warranty Deed, Transfer · FHA Mortgage DELMAR FINANCIAL CO
Feb 24, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2020 · Amount on Record
Deed Sale	Feb 24, 2020 · Amount on Record
Prior Sale	Jun 2, 2016 · Amount on Record
Deed Document Number	20201816
Deed Book / Page	2443 / 816
Prior Transfer Date	Sep 23, 2010
Prior Transfer Doc	002443/818
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Dec 26, 2023
Property Address	14 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061
Document Number	002496/560
Book / Page	2496 / 560
Map Reference	MB 14 PG 134
Instrument Date	Dec 22, 2023
Instrument	2023009820
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 JAMES ST, TROY, MO 63379-2112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061

Mortgage

Document Number	2023009821
Date	Dec 26, 2023
Instrument	2023009821

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Mortgage

Document Number	002496/562
Date	Dec 26, 2023
Book Page	2496/562
Instrument	2023009822

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 24, 2020
Property Address	14 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061
Document Number	002443/816
Book / Page	2443 / 816
Map Reference	MB 14 PG 134
Instrument Date	Feb 24, 2020
Instrument	2020001816
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1278 JUNGERMANN RD, 1278, SAINT PETERS, MO 63376-6964

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061

Mortgage

Document Number	2020001817
Date	Feb 24, 2020
Instrument	2020001817

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 24, 2020
Property Address	14 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061
Document Number	002443/818
Book / Page	2443 / 818
Map Reference	MB 14 PG 134
Instrument Date	Sep 23, 2010
Instrument	2020001818
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$31,472 (-) Land $3,686 Building $27,786
2025	$1,916.00 (+3.85%)	$31,472 (+5.36%) Land $3,686 Building $27,786	$165,640 (+5.36%) Land $19,400 Building $146,240
2023	$1,845.00 (+6.22%)	$29,870 Land $3,266 Building $26,604	$157,210 Land $17,190 Building $140,020
2022	$1,737.00

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 · 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

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 63% of the US · lower than 70% 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 221 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
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: Systec Wireless Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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