18 Saddleback Ridge Dr, Winfield, MO 63389 Property Records

Lincoln County property record for 18 Saddleback Ridge Dr, Winfield, MO 63389

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,560 sqft · built 2010
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on File
Tax Bill	$1,900 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-60-13-000-000-007.228`

Property Details

APN / Parcel Number

Primary APN	`14-60-13-000-000-007.228`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
Basement Area	640 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,009 sqft (0.114 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	18 SADDLEBACK RIDGE DR
City	WINFIELD
State	MO
Zip	63389-2061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 BRIDLE SPUR S/D, PLAT 14/134
Legal Range	01E
Legal Township	49
Legal Section	13
Legal Subdivision	BRIDLE SPUR
Legal Lot Number	28
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1029
Census Tract	810309

Owner

Source: Lincoln County assessment roll, as of June 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	18 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · FHA Mortgage GERSHMAN INVESTMENT CORP
Jul 30, 2020	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 30, 2020
Deed Sale	Jul 30, 2020
Prior Sale	Jun 3, 2016
Deed Document Number	2020008217
Deed Book / Page	2450 / 175
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	18 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061

Mortgage

Document Number	002472/844
Date	Nov 24, 2021
Book Page	2472/844
Instrument	2021015426

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 30, 2020
Property Address	18 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061
Document Number	002450/175
Book / Page	2450 / 175
Map Reference	MB 14 PG 134
Instrument Date	Jul 29, 2020
Instrument	2020008217
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	18 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061

Mortgage

Document Number	2020008218
Date	Jul 30, 2020
Instrument	2020008218

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of June 1, 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	$1,900.00 (+3.54%)	$31,200 (+4.97%) Land $3,570 Building $27,630	$164,210 (+4.97%) Land $18,790 Building $145,420
2023	$1,835.00 (+6.19%)	$29,722 Land $3,247 Building $26,475	$156,430 Land $17,090 Building $139,340
2022	$1,728.00

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 · 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 at the parcel

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 Holdings 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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