41 Saddlefield Ln, Troy, MO 63379 Property Records

Lincoln County property record for 41 Saddlefield Ln, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,193 sqft · built 2006
Lot Size	2.63 acres (114,563 sqft)
Owner	2 Individual Names on File
Last Sale	$171,700 (Jan 2020)
Tax Bill	$1,887 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-50-15-000-000-004.016`

Property Details

APN / Parcel Number

Primary APN	`08-50-15-000-000-004.016`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,193 sqft Living Area
Basement Area	1,193 sqft
Unfinished Basement	1,193 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	114,563 sqft (2.63 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	41 SADDLEFIELD LN
City	TROY
State	MO
Zip	63379-4978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 MANORS AT CUIVRE FORD
Legal Range	01W
Legal Township	50N
Legal Section	15
Legal Subdivision	MANORS AT CUIVRE FORD
Legal Lot Number	6
Jurisdiction	LINCOLN MO
Township / Civil Division	UNION
Census Block Group	1
Census Block	1070
Census Tract	810206

Owner

41 Saddlefield Ln is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	41 SADDLEFIELD LN, TROY, MO 63379-4978
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Jun 16, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 8, 2020	Intrafamily Transfer, Transfer · VA Mortgage DAS ACQUISITION
May 25, 2018	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2020 · Amount on File
Deed Sale	Jan 8, 2020 · Amount on File
Prior Sale	May 25, 2018 · Amount on File
Deed Document Number	2020216
Deed Book / Page	2442 / 219
Prior Transfer Date	Jun 22, 2017
Prior Transfer Doc	0000005782
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 16, 2023
Property Address	41 SADDLEFIELD LN, TROY, MO 63379-4978
Document Number	002491/366
Book / Page	2491 / 366
Map Reference	MB 14 PG 42
Instrument Date	Jun 13, 2023
Instrument	2023004564
Transaction Type	Transfer
Record Updated	Aug 8, 2023
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12108 BIG RIVER DR, LAKE SAINT LOUIS, MO 63367-1980

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 SADDLEFIELD LN, TROY, MO 63379-4978

Mortgage

Document Number	2023004565
Date	Jun 16, 2023
Instrument	2023004565

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

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

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Jan 8, 2020
Property Address	41 SADDLEFIELD LN, TROY, MO 63379-4978
Document Number	2442/219
Book / Page	2442 / 219
Map Reference	MB 14 PG 42
Instrument Date	Jan 2, 2020
Instrument	2020000216
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	41 SADDLEFIELD LN, TROY, MO 63379-4978

Mortgage

Document Number	2020000217
Date	Jan 8, 2020
Instrument	2020000217

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	May 25, 2018
Property Address	41 SADDLEFIELD LN, TROY, MO 63379-4978
Document Number	2423/0131
Book / Page	2423 / 0131
Map Reference	MB14 PG42
Instrument Date	May 23, 2018
Instrument	2018004498
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 SADDLEFIELD LN, 41, TROY, MO 63379-4978

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 SADDLEFIELD LN, TROY, MO 63379-4978

Mortgage

Document Number	2018004499
Date	May 25, 2018
Instrument	2018004499

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 41 Saddlefield Ln was $1,887.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Unified School District	Silex R-I School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$37,107 (-) Land $6,912 Building $30,195
2025	$1,887.00	$37,107 Land $6,912 Building $30,195	$195,300 Land $36,380 Building $158,920
2023	$1,643.00 (+5.73%)	$31,327 (+4.91%) Land $6,661 Building $24,666	$164,880 Land $35,060 Building $129,820
2022	$1,554.00	$29,862 Land $6,661 Building $23,201
2021			$157,170 Land $35,060 Building $122,110

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 41 Saddlefield Ln 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	1 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 41 Saddlefield Ln is moderate, ranking above 40% 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 40% of the US · lower than 60% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
Windstream DSL	100 / 20

May also be available: Spectrum, T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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