160 Stable Ridge Dr, Troy, MO 63379 Property Records

Lincoln County property record for 160 Stable Ridge Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,580 sqft · built 2000
Lot Size	0.297 acres (12,937 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,539 (2025)
Deeds & Mortgages	Mar 2009 Mortgage May 2007 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-80-28-000-000-004.016`

Property Details

APN / Parcel Number

Primary APN	`14-80-28-000-000-004.016`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,580 sqft Living Area
Basement Area	1,580 sqft
Unfinished Basement	1,580 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,937 sqft (0.297 acres)
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	160 STABLE RIDGE DR
City	TROY
State	MO
Zip	63379-6310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BERNHARDT MEADOWS
Legal Range	01E
Legal Township	49N
Legal Section	28
Legal Subdivision	BERNHARDT MEADOWS
Legal Lot Number	16
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1012
Census Tract	810310

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	160 STABLE RIDGE DR, TROY, MO 63379-6310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2009	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 15, 2007	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 27, 2026	Intrafamily Transfer, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2014
Deed Sale	Apr 23, 2014
Deed Document Number	20142715
Deed Book / Page	2355 / 104
Prior Transfer Date	Apr 22, 2014
Prior Transfer Doc	02355/0104
Record Updated	Oct 29, 2026

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	160 STABLE RIDGE DR, TROY, MO 63379-6310
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02071/0516
Date	Mar 16, 2009
Book Page	2071/0516
Instrument	20090002804

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2039

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	160 STABLE RIDGE DR, TROY, MO 63379-6310
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01944/0371
Date	May 15, 2007
Book Page	1944/0371
Instrument	20070005736

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 23, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Feb 27, 2026
Property Address	160 STABLE RIDGE DR, TROY, MO 63379-6310
Document Number	002518/827
Book / Page	2518 / 827
Map Reference	MB 13 PG 38
Instrument Date	Feb 23, 2026
Instrument	2026001730
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL OF OR

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 STABLE RIDGE DR, TROY, MO 63379-6310

Mortgage

Document Number	2026001731
Date	Feb 27, 2026
Instrument	2026001731

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

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		$41,543 (-) Land $5,120 Building $36,423
2025	$2,539.00 (+20.85%)	$41,543 (+22.48%) Land $5,120 Building $36,423	$218,650 (+22.49%) Land $26,950 Building $191,700
2023	$2,101.00 (+5.68%)	$33,917 (+6.26%) Land $4,260 Building $29,657	$178,510 (+6.26%) Land $22,420 Building $156,090
2022	$1,988.00	$31,920 Land $4,260 Building $27,660
2021			$168,000 Land $22,420 Building $145,580

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 64% of the US · lower than 73% 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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