23 Cambridge Ct, Troy, MO 63379 Property Records

Lincoln County property record for 23 Cambridge Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,692 sqft · built 2006
Lot Size	0.272 acres (11,848 sqft)
Owner	2 Individual Names on File
Last Sale	$200,300 (Jun 2020)
Tax Bill	$2,567 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-80-33-000-000-026.109`

Property Details

APN / Parcel Number

Primary APN	`15-80-33-000-000-026.109`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,692 sqft Living Area
Basement Area	1,692 sqft
Unfinished Basement	1,692 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,848 sqft (0.272 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	23 CAMBRIDGE CT
City	TROY
State	MO
Zip	63379-3993
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 109 WINGATE ESTATES 2ND ADDN
Legal Range	01W
Legal Township	49N
Legal Section	33
Legal Subdivision	WINGATE
Legal Lot Number	109
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1030
Census Tract	810203

Owner

23 Cambridge Ct is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	23 CAMBRIDGE CT, TROY, MO 63379-3993
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
Jul 13, 2022	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Jun 23, 2020	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2020 · Amount on File
Deed Sale	Jun 23, 2020 · Amount on File
Prior Sale	Dec 10, 2012 · Amount on File
Deed Document Number	20206579
Deed Book / Page	2448 / 543
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	23 CAMBRIDGE CT, TROY, MO 63379-3993
Transaction Type	Mortgage
Record Updated	Sep 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CAMBRIDGE CT, TROY, MO 63379-3993

Mortgage

Document Number	002481/608
Date	Jul 13, 2022
Book Page	2481/608
Instrument	2022007362

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jul 1, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 23, 2020
Property Address	23 CAMBRIDGE CT, TROY, MO 63379-3993
Document Number	2448/543
Book / Page	2448 / 543
Map Reference	MB 14 PG 48
Instrument Date	Jun 5, 2020
Instrument	2020006579
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	803 CENTRAL AVE, 803, HARTFORD, IL 62048-1223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CAMBRIDGE CT, TROY, MO 63379-3993

Mortgage

Document Number	2020006580
Date	Jun 23, 2020
Instrument	2020006580

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 23 Cambridge Ct was $2,567.

Source: Lincoln County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Municipality	Troy City
Unified School District	Troy R-III School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$40,857 (-) Land $4,512 Building $36,345
2025	$2,567.00	$40,857 Land $4,512 Building $36,345	$215,040 Land $23,750 Building $191,290
2023	$2,415.00 (+5.92%)	$37,966 Land $3,848 Building $34,118	$199,820 Land $20,250 Building $179,570
2022	$2,280.00

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 23 Cambridge Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 23 Cambridge Ct is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TROY PWS serves 15,000 people · EPA ID MO6010798
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 87 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
Verizon Fixed Wireless	300 / 20

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

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