325 Royal Bluff Ct, Troy, MO 63379 Property Records

Lincoln County property record for 325 Royal Bluff Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,700 sqft · built 2005
Lot Size	0.177 acres (7,710 sqft)
Owner	Individual Name on File
Last Sale	$168,800 (May 2021)
Tax Bill	$2,693 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-70-25-001-001-023.028`

Property Details

APN / Parcel Number

Primary APN	`15-70-25-001-001-023.028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,700 sqft Living Area
Basement Area	1,700 sqft
Unfinished Basement	1,700 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	7,710 sqft (0.177 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	325 ROYAL BLUFF CT
City	TROY
State	MO
Zip	63379-2047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 VILLAS OF BLUFFVIEW
Legal Range	01W
Legal Township	49N
Legal Section	25
Legal Subdivision	VILLAS OF BLUFFVIEW
Legal Lot Number	28
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2002
Census Tract	810306

Owner

325 Royal Bluff Ct is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	325 ROYAL BLUFF CT, TROY, MO 63379-2047
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
May 17, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Jul 8, 2020	Warranty Deed, Transfer · Line of Credit PEOPLES BANK & TRUST CO
Jun 25, 2020	Warranty Deed, Transfer MEYER TITLE COMPANY, MEYER TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2021 · Amount on File
Deed Sale	May 17, 2021 · Amount on File
Prior Sale	Jul 8, 2020 · Amount on File
Deed Document Number	20216807
Deed Book / Page	2464 / 285
Prior Transfer Date	Jul 7, 2020
Prior Transfer Doc	2449/266
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	May 17, 2021
Property Address	325 ROYAL BLUFF CT, TROY, MO 63379-2047
Document Number	2464/285
Book / Page	2464 / 285
Map Reference	MB 13 PG 142
Instrument Date	May 14, 2021
Instrument	2021006807
Transaction Type	Transfer
Record Updated	Aug 2, 2021
Title Company	MEYER TITLE COMPANY, MEYER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 ROYAL BLUFF CT, TROY, MO 63379-2047

Mortgage

Document Number	2021006808
Date	May 17, 2021
Instrument	2021006808

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 8, 2020
Property Address	325 ROYAL BLUFF CT, TROY, MO 63379-2047
Document Number	2449/266
Book / Page	2449 / 266
Map Reference	MB 13 PG 142
Instrument Date	Jul 7, 2020
Instrument	2020007306
Transaction Type	Transfer
Record Updated	Aug 31, 2021
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
Relationship	Tenants by the Entirety
Address	408 CEDAR BLUFF CT, TROY, MO 63379-2014

Mortgage

Document Number	2020007307
Date	Jul 8, 2020
Instrument	2020007307

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jul 7, 2021

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 25, 2020
Property Address	325 ROYAL BLUFF CT, TROY, MO 63379-2047
Document Number	2448/649
Book / Page	2448 / 649
Map Reference	MB 13 PG 142
Instrument Date	Jun 24, 2020
Instrument	2020006685
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	MEYER TITLE COMPANY, MEYER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	193 N LINCOLN DR, TROY, MO 63379-1355

Tax Assessment & Valuation

The 2025 property tax bill for 325 Royal Bluff Ct was $2,693.

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		$42,864 (-) Land $5,700 Building $37,164
2025	$2,693.00	$42,864 Land $5,700 Building $37,164	$225,600 Land $30,000 Building $195,600
2023	$2,497.00 (+4.78%)	$39,258 Land $4,750 Building $34,508	$206,620 Land $25,000 Building $181,620
2022	$2,383.00

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 325 Royal Bluff Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 325 Royal Bluff Ct is low, with less than 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 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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