324 Gravens Rd, Troy, MO 63379 Property Records

Lincoln County property record for 324 Gravens Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,407 sqft · built 2019
Lot Size	17.4 acres (760,993 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,165 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jun 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`14-80-33-000-000-007.009`

Property Details

APN / Parcel Number

Primary APN	`14-80-33-000-000-007.009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,407 sqft Living Area
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	760,993 sqft (17.4 acres)
Garage Type	Mixed
Garage Area	1,488 sqft
Parking Spaces	5 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	324 GRAVENS RD
City	TROY
State	MO
Zip	63379-5392
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17.47 AC TRACT OF LAND IN S1/2 OF NE1/4 AND PT OF N1/2 OF SE1/4 SEC 33
Legal Range	01W
Legal Township	49N
Legal Section	33
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1010
Census Tract	810310

Owner

324 Gravens Rd is owned and occupied by two individuals.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	324 GRAVENS RD, TROY, MO 63379-5392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Deed of Trust, Mortgage · Commercial Mortgage VANTAGE CU
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF OLD MONROE

Assessor's Deed Record

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

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	324 GRAVENS RD, TROY, MO 63379-5392
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	SURITY TITLE, SECURITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 GRAVENS RD, TROY, MO 63379-5392

Mortgage

Document Number	002513/795
Date	Sep 11, 2025
Book Page	2513/795
Instrument	2025007330

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 19, 2040

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	324 MOSCOW BRIDGE RD, MOSCOW MILLS, MO 63362
Transaction Type	Mortgage
Record Updated	Sep 26, 2023
Title Company	MEYER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002448/168
Date	Jun 16, 2020
Book Page	2448/168
Instrument	2020006204

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 324 Gravens Rd was $3,165.

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

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
2026		$51,940 (-) Land $6,146 Building $45,794
2025	$3,165.00	$51,940 Land $6,146 Building $45,794	$273,370 Land $32,350 Building $241,020
2023	$2,611.00 (+4.73%)	$42,288 Land $5,729 Building $36,560	$222,570 Land $30,150 Building $192,420
2022	$2,493.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 324 Gravens Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 5, 2018

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 324 Gravens Rd is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 45% of Missouri
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Brightspeed DSL	100 / 10
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, Gateway Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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