475 Harmony Grove Rd, Troy, MO 63379 Property Records

Lincoln County property record for 475 Harmony Grove Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,954 sqft · built 2003
Lot Size	16.7 acres (729,674 sqft)
Owner	Individual Name on Record
Tax Bill	$3,009 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-40-20-000-000-002.000`

Property Details

APN / Parcel Number

Primary APN	`09-40-20-000-000-002.000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,954 sqft Living Area
Basement Area	1,954 sqft
Unfinished Basement	840 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	729,674 sqft (16.7 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	475 HARMONY GROVE RD
City	TROY
State	MO
Zip	63379-5752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16.751 AC STUATED IN THE MID PT OF THE N1/2 NE1/4 OF SEC 20
Legal Range	01E
Legal Township	50N
Legal Section	20
Jurisdiction	LINCOLN MO
Township / Civil Division	SNOW HILL
Census Block Group	2
Census Block	2014
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	Individual Name on Record
Mailing Address	475 HARMONY GROVE RD, TROY, MO 63379-5752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK & TRUST CO
Mar 5, 2019	Deed of Trust, Mortgage · Commercial Mortgage RELIANCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2008
Deed Sale	Sep 29, 2008
Deed Document Number	20089385
Deed Book / Page	2042 / 155
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	475 HARMONY GROVE RD, TROY, MO 63379-5752
Transaction Type	Mortgage
Record Updated	Nov 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 HARMONY GROVE RD, TROY, MO 63379-5752

Mortgage

Document Number	002483/717
Date	Sep 13, 2022
Book Page	2483/717
Instrument	2022009486

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	475 HARMONY GROVE RD, TROY, MO 63379-5752
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2431/0828
Date	Mar 5, 2019
Book Page	2431/0828
Instrument	2019001653

Lender

Name	RELIANCE BANK
Type	Bank
Address	SAINT PETERS, MO 63376

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$51,640 (-) Land $3,701 Building $47,939
2025	$3,009.00 (+1.59%)	$51,640 (+6.9%) Land $3,701 Building $47,939	$271,790 (+6.89%) Land $19,480 Building $252,310
2023	$2,962.00 (+17.17%)	$48,309 Land $3,549 Building $44,760	$254,260 Land $18,680 Building $235,580
2022	$2,528.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Brightspeed DSL	10 / 1

May also be available: Spectrum, Systec Wireless Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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