305 Royal Bluff Ct, Troy, MO 63379 Property Records

Lincoln County property record for 305 Royal Bluff Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,844 sqft · built 2005
Lot Size	0.197 acres (8,581 sqft)
Owner	Individual Name on Record
Last Sale	$181,300 (Jan 2020)
Tax Bill	$2,767 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Dec 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-70-25-001-001-023.030`

Property Details

APN / Parcel Number

Primary APN	`15-70-25-001-001-023.030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,844 sqft Living Area
Basement Area	1,844 sqft
Unfinished Basement	1,844 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,581 sqft (0.197 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	305 ROYAL BLUFF CT
City	TROY
State	MO
Zip	63379-2047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 VILLAS OF BLUFFVIEW
Legal Range	01W
Legal Township	49N
Legal Section	25
Legal Subdivision	VILLAS OF BLUFFVIEW
Legal Lot Number	30
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2002
Census Tract	810306

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	100 PROFESSIONAL PKWY, TROY, MO 63379-2823
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Dec 9, 2022	Beneficiary Deed, Transfer
Jan 30, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF OLD MONROE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2020 · Amount on Record
Deed Sale	Jan 30, 2020 · Amount on Record
Prior Sale	Dec 9, 2011 · Amount on Record
Deed Document Number	2020986
Deed Book / Page	2442 / 989
Prior Transfer Date	Dec 23, 2011
Prior Transfer Doc	02227/0527
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	305 ROYAL BLUFF CT, TROY, MO 63379-2047
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 ROYAL BLUFF CT, TROY, MO 63379-2047

Mortgage

Document Number	002517/932
Date	Jan 29, 2026
Book Page	2517/932
Instrument	2026000822

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LINCOLN MO
Recording Date	Dec 9, 2022
Property Address	305 ROYAL BLUFF CT, TROY, MO 63379-2047
Document Number	002486/250
Book / Page	2486 / 250
Map Reference	MB 13 PG 142
Instrument Date	Dec 8, 2022
Instrument	2022012035
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	100 PROFESSIONAL PKWY, TROY, MO 63379-2823

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jan 30, 2020
Property Address	305 ROYAL BLUFF CT, TROY, MO 63379-2047
Document Number	002442/989
Book / Page	2442 / 989
Map Reference	MB 13 PG 142
Instrument Date	Jan 28, 2020
Instrument	2020000986
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	L COUNTY TITLE, ALL COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 PROFESSIONAL PKWY, TROY, MO 63379-2823

Mortgage

Document Number	2020000987
Date	Jan 30, 2020
Instrument	2020000987

Lender

Name	BANK OF OLD MONROE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

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		$44,048 (-) Land $5,700 Building $38,348
2025	$2,767.00 (+7.75%)	$44,048 (+9.1%) Land $5,700 Building $38,348	$231,830 (+9.1%) Land $30,000 Building $201,830
2023	$2,568.00 (+4.82%)	$40,375 (+5.33%) Land $4,750 Building $35,625	$212,500 (+5.33%) Land $25,000 Building $187,500
2022	$2,450.00	$38,333 Land $4,750 Building $33,583
2021			$201,750 Land $25,000 Building $176,750

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	3 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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 183 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Systec Wireless Communications.

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