345 Royal Bluff Ct, Troy, MO 63379 Property Records

Lincoln County property record for 345 Royal Bluff Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,856 sqft · built 2006
Lot Size	0.209 acres (9,104 sqft)
Owner	Company Name on Record
Last Sale	$222,400 (Aug 2017)
Tax Bill	$3,238 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-70-25-001-001-023.026`

Property Details

APN / Parcel Number

Primary APN	`15-70-25-001-001-023.026`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,856 sqft Living Area
Basement Area	1,856 sqft
Unfinished Basement	1,856 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,104 sqft (0.209 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	345 ROYAL BLUFF CT
City	TROY
State	MO
Zip	63379-2047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 VILLAS OF BLUFFVIEW
Legal Range	01W
Legal Township	49N
Legal Section	25
Legal Subdivision	VILLAS OF BLUFFVIEW
Legal Lot Number	26
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	Company Name on Record
Mailing Address	130 HARMONY GROVE RD, TROY, MO 63379-5783
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Aug 1, 2017	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2017 · Amount on Record
Deed Sale	Aug 1, 2017 · Amount on Record
Prior Sale	Mar 16, 2015 · Amount on Record
Deed Document Number	20177134
Deed Book / Page	2413 / 668
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	345 ROYAL BLUFF CT, TROY, MO 63379-2047
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2460/682
Date	Mar 9, 2021
Book Page	2460/682
Instrument	2021003183

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Aug 1, 2017
Property Address	345 ROYAL BLUFF CT, TROY, MO 63379-2047
Document Number	2413/0668
Book / Page	2413 / 0668
Map Reference	MB13 PG142
Instrument Date	Jul 28, 2017
Instrument	2017007134
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	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
Relationship	Revocable Trust
Address	345 ROYAL BLUFF CT, TROY, MO 63379-2047

Mortgage

Document Number	2413/0669
Date	Aug 1, 2017
Book Page	2413/0669
Instrument	2017007135

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

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		$51,545 (-) Land $5,700 Building $45,845
2025	$3,238.00 (+7.61%)	$51,545 (+8.97%) Land $5,700 Building $45,845	$271,290 (+8.96%) Land $30,000 Building $241,290
2023	$3,009.00 (+5.95%)	$47,304 Land $4,750 Building $42,554	$248,970 Land $25,000 Building $223,970
2022	$2,840.00

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

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 99.8% of the US · lower than 99.6% 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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