431 Harris St, Troy, MO 63379 Property Records

Lincoln County property record for 431 Harris St, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,590 sqft · built 1960
Lot Size	0.441 acres (19,210 sqft)
Owner	Company Name on File
Last Sale	$73,100 (Sep 2011)
Tax Bill	$1,431 (2025)
Deeds & Mortgages	May 2025 Mortgage May 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-80-27-004-003-009.000`

Property Details

APN / Parcel Number

Primary APN	`15-80-27-004-003-009.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,590 sqft Living Area
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,210 sqft (0.441 acres)

Location & Zoning

Street Address	431 HARRIS ST
City	TROY
State	MO
Zip	63379-1028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 14-15 BLK D AVERYS COLLEGE HEIGHTS ADDITION
Legal Range	01W
Legal Township	49N
Legal Section	37
Legal Subdivision	HEIGHTS ADDITION
Legal Block	D
Legal Lot Number	14-15
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	5
Census Block	5029
Census Tract	810305

Owner

431 Harris St is owned by a company that bought it in September 2011.

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

Owner of Record	Company Name on File
Mailing Address	330 E WOOD ST, TROY, MO 63379-1425
Owner Type	Company
Vesting	Company

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 29, 2025	Deed of Trust, Mortgage · Commercial Mortgage BANK OF SPRINGFIELD
May 14, 2024	Correction Deed MEYER TITLE COMPANY
Dec 29, 2023	Warranty Deed, Transfer MEYER TITLE COMPANY
Feb 14, 2022	Beneficiary Deed, Transfer
Feb 14, 2022	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2011 · Amount on File
Deed Sale	Sep 26, 2011 · Amount on File
Prior Sale	Nov 13, 2006 · Amount on File
Deed Document Number	20117841
Deed Book / Page	2212 / 548
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	431 HARRIS ST, TROY, MO 63379-1028
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002510/556
Date	May 29, 2025
Book Page	2510/556
Instrument	2025004049

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62794

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	LINCOLN MO
Recording Date	May 14, 2024
Property Address	431 HARRIS ST, TROY, MO 63379-1028
Document Number	002500/267
Book / Page	2500 / 267
Map Reference	MB 2 PG 55
Instrument Date	May 14, 2024
Instrument	2024003597
Record Updated	Jan 21, 2026
Title Company	MEYER TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	24 BLUFF HAVEN DR, TROY, MO 63379-5514

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Dec 29, 2023
Property Address	431 HARRIS ST, TROY, MO 63379-1028
Document Number	002496/668
Book / Page	2496 / 668
Map Reference	MB 220 PG 454
Instrument Date	Dec 28, 2023
Instrument	2023009929
Transaction Type	Transfer
Record Updated	Jan 21, 2026
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	24 BLUFF HAVEN DR, TROY, MO 63379-5514

February 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 14, 2022
Property Address	431 HARRIS ST, TROY, MO 63379-1028
Document Number	002475/834
Book / Page	2475 / 834
Map Reference	MB 2 PG 55
Instrument Date	Nov 15, 2021
Instrument	2022001554
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	431 HARRIS ST, TROY, MO 63379-1028

February 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 14, 2022
Property Address	431 HARRIS ST, TROY, MO 63379-1028
Document Number	002475/834
Book / Page	2475 / 834
Map Reference	MB 2 PG 55
Instrument Date	Nov 15, 2021
Instrument	2022001554
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	431 HARRIS ST, TROY, MO 63379-1028

Tax Assessment & Valuation

The 2025 property tax bill for 431 Harris St was $1,431.

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		$22,780 (-) Land $3,050 Building $19,730
2025	$1,431.00	$22,780 Land $3,050 Building $19,730	$119,890 Land $16,050 Building $103,840
2023	$1,141.00 (+4.58%)	$17,946 Land $2,033 Building $15,913	$94,450 Land $10,700 Building $83,750
2022	$1,091.00

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 431 Harris St 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 431 Harris St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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	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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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