42 Saddleback Ridge Dr, Winfield, MO 63389 Property Records

Lincoln County property record for 42 Saddleback Ridge Dr, Winfield, MO 63389

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,560 sqft · built 2010
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on Record
Last Sale	$171,900 (Oct 2010)
Tax Bill	$1,983 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-60-13-000-000-007.234`

Property Details

APN / Parcel Number

Primary APN	`14-60-13-000-000-007.234`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
Basement Area	640 sqft
Unfinished Basement	640 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,489 sqft (0.126 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	42 SADDLEBACK RIDGE DR
City	WINFIELD
State	MO
Zip	63389-2061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 34 BRIDLE SPUR
Legal Range	01E
Legal Township	49N
Legal Section	13
Legal Subdivision	BRIDLE SPUR
Legal Lot Number	34
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1038
Census Tract	810309

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	2 Individual Names on Record
Mailing Address	42 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Oct 10, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2010 · Amount on Record
Deed Sale	Oct 18, 2010 · Amount on Record
Deed Document Number	20108722
Deed Book / Page	2164 / 794
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 22, 2022
Property Address	42 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061
Document Number	002481/966
Book / Page	2481 / 966
Map Reference	MB 14 PG 134
Instrument Date	Jul 22, 2022
Instrument	2022007720
Transaction Type	Transfer
Record Updated	Sep 26, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1278 JUNGERMANN RD, 1278, SAINT PETERS, MO 63376-6964

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061

Mortgage

Document Number	2022007721
Date	Jul 22, 2022
Instrument	2022007721

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.5%
Max Rate At Change	6.5%
Index	5-Year TN
Margin	2
Max Rate	10.5%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	42 SADDLEBACK RIDGE DR, WINFIELD, MO 63389-2061
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2439/0241
Date	Oct 10, 2019
Book Page	2439/0241
Instrument	2019009130

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank
Address	WRIGHT CITY, MO 63390

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Unified School District	Winfield R-IV School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$32,560 (-) Land $3,621 Building $28,939
2025	$1,983.00 (+3.77%)	$32,560 (+5.21%) Land $3,621 Building $28,939	$171,370 (+5.21%) Land $19,060 Building $152,310
2023	$1,911.00 (+6.34%)	$30,949 Land $3,266 Building $27,683	$162,890 Land $17,190 Building $145,700
2022	$1,797.00

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	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

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

Wildfire Risk	Low lower than 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.04% 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 221 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

May also be available: Systec Wireless Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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