Lincoln County property record for 472 Ridge Rd, Troy, MO 63379
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,168 sqft · built 2005 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $138,400 (Jan 2006) |
| Tax Bill | $1,719 (2025) |
| Deeds & Mortgages | Jan 2006 Mortgage May 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-50-15-000-000-017.001 |
| Primary APN | 14-50-15-000-000-017.001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,168 sqft Living Area |
| Basement Area | 1,168 sqft |
| Unfinished Basement | 1,168 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 472 RIDGE RD |
|---|---|
| City | TROY |
| State | MO |
| Zip | 63379-5443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 AC TR BEING WITHIN THE SE COR OF SW 1/4 NE 1/4 OF SEC. 15 |
| Legal Range | 01E |
| Legal Township | 49N |
| Legal Section | 15 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | SNOW HILL |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 810309 |
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 | 472 RIDGE RD, TROY, MO 63379-5443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 10, 2006 | Deed of Trust, Mortgage · USDA Mortgage USDA |
| May 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Feb 17, 2021 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2006 · Amount on Record |
| Deed Sale | Jan 10, 2006 · Amount on Record |
| Deed Document Number | 2006361 |
| Deed Book / Page | 1821 / 823 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 472 RIDGE RD, TROY, MO 63379-5443 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01821/0828 |
|---|---|
| Date | Jan 10, 2006 |
| Book Page | 1821/0828 |
| Instrument | 20060000363 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Address | SAINT LOUIS, MO 63166 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 396 Months |
| Due | Jan 6, 2039 |
| Rate | 5.37% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | May 3, 2023 |
| Property Address | 472 RIDGE RD, TROY, MO 63379-5443 |
| Document Number | 0002490/83 |
| Book / Page | 2490 / 83 |
| Instrument Date | Apr 28, 2023 |
| Instrument | 2023003272 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2023 |
| Title Company | OLD REPUBLIC TITLE, ORT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 472 RIDGE RD, TROY, MO 63379-5443 |
| Document Number | 2023003273 |
|---|---|
| Date | May 3, 2023 |
| Instrument | 2023003273 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 472 RIDGE RD, TROY, MO 63379-5443 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2459/653 |
|---|---|
| Date | Feb 17, 2021 |
| Book Page | 2459/653 |
| Instrument | 2021002152 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | TROY, MO 63379 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 6, 2036 |
Source: Lincoln County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Unified School District | Troy R-III School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $28,137 (-) Land $3,933 Building $24,204 | ||
| 2025 | $1,719.00 (+6.18%) | $28,137 (+7.68%) Land $3,933 Building $24,204 | $148,090 (+7.69%) Land $20,700 Building $127,390 |
| 2023 | $1,619.00 (+4.72%) | $26,129 (+5.2%) Land $3,610 Building $22,519 | $137,520 (+5.2%) Land $19,000 Building $118,520 |
| 2022 | $1,546.00 | $24,837 Land $3,610 Building $21,227 | |
| 2021 | $130,720 Land $19,000 Building $111,720 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Systec Wireless Communications Fixed Wireless | 100 / 20 |
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