302 James St, Troy, MO 63379 Property Records

Lincoln County property record for 302 James St, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,243 sqft · built 1980
Lot Size	0.529 acres (23,043 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,806 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-70-26-003-005-031.000`

Property Details

APN / Parcel Number

Primary APN	`15-70-26-003-005-031.000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	1,243 sqft Living Area
Basement Area	1,243 sqft
Unfinished Basement	1,243 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,043 sqft (0.529 acres)
Garage Area	517 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	302 JAMES ST
City	TROY
State	MO
Zip	63379-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30, W 28' LOT 29, N 75' LOT 31 NAGLES SUBD
Legal Range	01W
Legal Township	49N
Legal Section	37
Legal Subdivision	NAGLE
Legal Lot Number	30-31
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	5
Census Block	5039
Census Tract	810305

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	302 JAMES ST, TROY, MO 63379-2112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Deed of Trust, Mortgage · FHA Mortgage JLB CORP
Jun 8, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	302 JAMES ST, TROY, MO 63379-2112
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	002480/635
Date	Jun 16, 2022
Book Page	2480/635
Instrument	2022006380

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	302 JAMES ST, TROY, MO 63379-2112
Transaction Type	Mortgage
Record Updated	Aug 2, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	2465/263
Date	Jun 8, 2021
Book Page	2465/263
Instrument	2021007802

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jun 1, 2028

Tax Assessment & Valuation

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		$30,237 (-) Land $3,215 Building $27,022
2025	$1,806.00 (+2.85%)	$30,237 (+9.49%) Land $3,215 Building $27,022	$159,140 (+9.49%) Land $16,920 Building $142,220
2023	$1,756.00 (+6.1%)	$27,615 Land $2,143 Building $25,471	$145,340 Land $11,280 Building $134,060
2022	$1,655.00

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

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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

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