315 Harris St, Troy, MO 63379 Property Records

Lincoln County property record for 315 Harris St, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 864 sqft · built 1975
Lot Size	0.331 acres (14,418 sqft)
Owner	Individual Name on File
Last Sale	$189,400 (May 2018)
Tax Bill	$1,217 (2025)
Deeds & Mortgages	Nov 2023 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-70-26-003-003-009.000`

Property Details

APN / Parcel Number

Primary APN	`15-70-26-003-003-009.000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	864 sqft Living Area
Basement Area	864 sqft
Unfinished Basement	864 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,418 sqft (0.331 acres)

Location & Zoning

Street Address	315 HARRIS ST
City	TROY
State	MO
Zip	63379-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 8 & W1/2 LOT 7 BLK B COLLEGE HEIGHTS ADDITION
Legal Range	01W
Legal Township	49N
Legal Section	37
Legal Subdivision	HEIGHTS ADDITION
Legal Block	B
Legal Lot Number	8-7
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	5
Census Block	5029
Census Tract	810305

Owner

315 Harris St is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	315 HARRIS ST, TROY, MO 63379-1020
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
Nov 17, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
May 11, 2018	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2018 · Amount on File
Deed Sale	May 11, 2018 · Amount on File
Prior Sale	Mar 24, 2016 · Amount on File
Deed Document Number	20183974
Deed Book / Page	2422 / 611
Prior Transfer Date	Feb 27, 2008
Prior Transfer Doc	0000002014
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 17, 2023
Property Address	315 HARRIS ST, TROY, MO 63379-1020
Document Number	002495/589
Book / Page	2495 / 589
Map Reference	MB 2 PG 55
Instrument Date	Nov 16, 2023
Instrument	2023008842
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	MEYER TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 HARRIS ST, TROY, MO 63379-1020

Mortgage

Document Number	2023008843
Date	Nov 17, 2023
Instrument	2023008843

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	May 11, 2018
Property Address	315 HARRIS ST, TROY, MO 63379-1020
Document Number	02422/0611
Book / Page	2422 / 0611
Map Reference	MB2 PG55
Instrument Date	May 3, 2018
Instrument	2018003974
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4328 HOPEWELL RD, 4328, WENTZVILLE, MO 63385-5929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 HARRIS ST, TROY, MO 63379-1020

Mortgage

Document Number	2018003975
Date	May 11, 2018
Instrument	2018003975

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 315 Harris St was $1,217.

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		$19,384 (-) Land $2,288 Building $17,096
2025	$1,217.00	$19,384 Land $2,288 Building $17,096	$102,020 Land $12,040 Building $89,980
2023	$1,120.00 (+6.06%)	$17,611 Land $1,526 Building $16,085	$92,690 Land $8,030 Building $84,660
2022	$1,056.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 315 Harris St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 315 Harris St is low, with a 0.01% annual chance of 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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