Lincoln County property record for 482 Hardy Rd, Troy, MO 63379 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,538 sqft · built 1994 |
| Lot Size | 1.23 acres (53,579 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,285 (2025) |
| Deeds & Mortgages | Apr 2022 Construction Loan Feb 2016 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-50-16-000-000-063.001 |
| Primary APN | 14-50-16-000-000-063.001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,538 sqft Living Area |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Wood Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 53,579 sqft (1.23 acres) |
| Garage Area | 1,274 sqft |
| Parking Spaces | 5 Parking Spaces |
| Street Address | 482 HARDY RD |
|---|---|
| City | TROY |
| State | MO |
| Zip | 63379-5407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.236 AC (.610 & .626 AC TRACTS) IN THE MID PT OF THE N1/2 SESW OF SECT 16, SURVEY D1/94.B |
| Legal Range | 01E |
| Legal Township | 49 |
| Legal Section | 16 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 810309 |
Source: Lincoln County records · APN 14-50-16-000-000-063.001
Assessment roll updated June 1, 2025 · Last verified February 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 482 HARDY RD, TROY, MO 63379-5407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 26, 2022 | Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK & TRUST CO |
| Feb 19, 2016 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Feb 12, 2015 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREGORY C HORST ETUX |
| Dec 04, 2025 | Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION |
| Nov 02, 2023 | Warranty Deed, Transfer FREEDOM TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 04, 2025 |
| Deed Sale | Dec 04, 2025 |
| Prior Sale | Nov 02, 2023 |
| Deed Document Number | 2025009953 |
| Deed Book / Page | 2516 / 386 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 482 HARDY RD, TROY, MO 63379-5407 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 482 HARDY RD, TROY, MO 63379-5407 |
| Document Number | 002478/661 |
|---|---|
| Date | Apr 26, 2022 |
| Book Page | 2478/661 |
| Instrument | 2022004398 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | TROY, MO 63379 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Jan 19, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 482 HARDY RD, TROY, MO 63379-5407 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Title Company | SOUTHWEST FINANCIAL, SOUTHWEST FINANCIAL SVCS LTD |
| Name | Verified Name |
|---|
| Document Number | 02396/0216 |
|---|---|
| Date | Feb 19, 2016 |
| Book Page | 2396/0216 |
| Instrument | 2016001207 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jan 24, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 482 HARDY RD, TROY, MO 63379-5407 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02385/0557 |
|---|---|
| Date | Feb 12, 2015 |
| Book Page | 2385/0557 |
| Instrument | 2015001152 |
| Name | GREGORY C HORST ETUX |
|---|---|
| Type | Private Party |
| Address | 106 RIDGECREST DR, TROY, MO 63379 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Dec 04, 2025 |
| Property Address | 482 HARDY RD, TROY, MO 63379-5407 |
| Document Number | 002516/386 |
| Book / Page | 2516 / 386 |
| Map Reference | MB 286 PG 2366 |
| Instrument Date | Nov 26, 2025 |
| Instrument | 2025009953 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2026 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 OAK GROVE LN, TROY, MO 63379-2291 |
| Name | Verified Name |
|---|---|
| Address | 482 HARDY RD, TROY, MO 63379-5407 |
| Document Number | 2025009954 |
|---|---|
| Date | Dec 04, 2025 |
| Instrument | 2025009954 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Nov 02, 2023 |
| Property Address | 482 HARDY RD, TROY, MO 63379-5407 |
| Document Number | 002495/220 |
| Book / Page | 2495 / 220 |
| Map Reference | MB 286 PG 2366 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 2023008464 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 285 HARRELL RD, TROY, MO 63379-5805 |
| Name | Verified Name |
|---|---|
| Address | 20 OAK GROVE LN, TROY, MO 63379-2291 |
Source: Lincoln County records · Assessment roll updated June 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Unified School District | Troy R-III School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,285.00 (+5.29%) | $53,747 (+6.75%) Land $2,888 Building $50,859 | $282,880 (+6.75%) Land $15,200 Building $267,680 |
| 2023 | $3,120.00 (+4.98%) | $50,348 Land $2,660 Building $47,688 | $264,990 Land $14,000 Building $250,990 |
| 2022 | $2,972.00 |
Source: FEMA National Flood Hazard Layer, Lincoln County (29113C), updated October 5, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Low above 37% of the US · above 29% of Missouri |
|---|---|
| Wildfire Likelihood | About 1 in 1,639 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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