382 S Ridge Rd, Troy, MO 63379 Property Records

Lincoln County property record for 382 S Ridge Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,232 sqft · built 1969
Lot Size	2.92 acres (127,195 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,728 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`14-80-27-000-000-014.001`

Property Details

APN / Parcel Number

Primary APN	`14-80-27-000-000-014.001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	127,195 sqft (2.92 acres)
Garage Type	Detached
Garage Area	792 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	382 S RIDGE RD
City	TROY
State	MO
Zip	63379-6350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.92 AC M/L IN THE W1/2 OF THE SWNE OF SEC 27: CO RD 819
Legal Range	01E
Legal Township	49N
Legal Section	30
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3012
Census Tract	810310

Owner

382 S Ridge Rd is owned and occupied by two individuals who acquired it in February 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	382 S RIDGE RD, TROY, MO 63379-6350
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
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Feb 17, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 16, 2017
Transfer Doc	0000001398
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	382 S RIDGE RD, TROY, MO 63379-6350
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2468/238
Date	Aug 12, 2021
Book Page	2468/238
Instrument	2021010790

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	May 1, 2051

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Feb 17, 2017
Property Address	382 S RIDGE RD, TROY, MO 63379-6350
Document Number	2407/0979
Book / Page	2407 / 0979
Instrument Date	Feb 16, 2017
Instrument	2017001398
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 S RIDGE RD, TROY, MO 63379-6350

Tax Assessment & Valuation

The 2025 property tax bill for 382 S Ridge Rd was $1,728.

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		$28,272 (-) Land $5,263 Building $23,009
2025	$1,728.00	$28,272 Land $5,263 Building $23,009	$148,800 Land $27,700 Building $121,100
2023	$1,653.00 (+4.16%)	$26,674 Land $4,845 Building $21,829	$140,390 Land $25,500 Building $114,890
2022	$1,587.00

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

Flood

FEMA maps place 382 S Ridge Rd 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 382 S Ridge Rd is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 34 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Systec Wireless Communications.

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