481 Harmony Grove Rd, Troy, MO 63379 Property Records

Lincoln County property record for 481 Harmony Grove Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1930
Lot Size	2.28 acres (99,535 sqft)
Owner	Individual Name on Record
Tax Bill	$762 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-40-20-000-000-002.010`

Property Details

APN / Parcel Number

Primary APN	`09-40-20-000-000-002.010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
Basement Area	840 sqft
Unfinished Basement	840 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	99,535 sqft (2.28 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	481 HARMONY GROVE RD
City	TROY
State	MO
Zip	63379-5752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.285 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	611 LOGAN VALLEY DR, SAINT PETERS, MO 63376-3799
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK & TRUST CO
Sep 10, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	481 HARMONY GROVE RD, TROY, MO 63379-5752
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 LOGAN VALLEY DR, SAINT PETERS, MO 63376-3799

Mortgage

Document Number	002488/582
Date	Mar 10, 2023
Book Page	2488/582
Instrument	2023001750

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	481 HARMONY GROVE RD, TROY, MO 63379-5752
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02438/0008
Date	Sep 10, 2019
Book Page	2438/0008
Instrument	2019007895

Lender

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

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2049

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		$12,493 (-) Land $3,278 Building $9,215
2025	$762.00 (+5.83%)	$12,493 (+7.11%) Land $3,278 Building $9,215	$65,750 (+7.1%) Land $17,250 Building $48,500
2023	$720.00 (+4.05%)	$11,664 Land $3,040 Building $8,624	$61,390 Land $16,000 Building $45,390
2022	$692.00

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	Low lower than 62% of the US · lower than 67% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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