454 Hardy Rd, Troy, MO 63379 Property Records

Lincoln County property record for 454 Hardy Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,757 sqft · built 1910
Lot Size	4.5 acres (196,020 sqft)
Owner	2 Individual Names on Record
Last Sale	$233,600 (Mar 2021)
Tax Bill	$1,682 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-50-16-000-000-062.000`

Property Details

APN / Parcel Number

Primary APN	`14-50-16-000-000-062.000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,757 sqft Living Area
Flooring	Combination, Other

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	196,020 sqft (4.5 acres)
Garage Type	Mixed
Garage Area	1,416 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	454 HARDY RD
City	TROY
State	MO
Zip	63379-5407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.5 AC PT OF SE1/4 OF SW1/4 SEC 16
Legal Range	01E
Legal Township	49N
Legal Section	16
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3016
Census Tract	810309

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cuivre River State Park Administrative Area Historic District listed 1985 · 6 contributing resources · NRIS 85000514

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	454 HARDY RD, TROY, MO 63379-5407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 12, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2021 · Amount on Record
Deed Sale	Mar 12, 2021 · Amount on Record
Prior Sale	Nov 4, 2015 · Amount on Record
Deed Document Number	20213438
Deed Book / Page	2460 / 935
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	454 HARDY RD, TROY, MO 63379-5407
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	UNKNOWN, TOWNSGATE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 HARDY RD, TROY, MO 63379-5407

Mortgage

Document Number	002513/728
Date	Sep 9, 2025
Book Page	2513/728
Instrument	2025007262

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Oct 1, 2053

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Mar 12, 2021
Property Address	454 HARDY RD, TROY, MO 63379-5407
Document Number	2460/935
Book / Page	2460 / 935
Instrument Date	Mar 9, 2021
Instrument	2021003438
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	NOT AVAILABLE, INVESTORS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 262, TROY, MO 63379-0262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 HARDY RD, TROY, MO 63379-5407

Mortgage

Document Number	2021003439
Date	Mar 12, 2021
Instrument	2021003439

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

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

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	Troy R-III School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$27,526 (-) Land $6,546 Building $20,980
2025	$1,682.00 (+8.52%)	$27,526 (+10.04%) Land $6,546 Building $20,980	$144,870 (+10.03%) Land $34,450 Building $110,420
2023	$1,550.00 (+4.45%)	$25,015 Land $5,985 Building $19,030	$131,660 Land $31,500 Building $100,160
2022	$1,484.00

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.06% 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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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