489 Snyder Rd, Troy, MO 63379 Property Records

Lincoln County property record for 489 Snyder Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,099 sqft · built 2004
Lot Size	2.94 acres (128,066 sqft)
Owner	Individual Name on File
Tax Bill	$4,077 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-50-21-000-000-016.006`

Property Details

APN / Parcel Number

Primary APN	`15-50-21-000-000-016.006`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	14 Rooms
Stories	1 Story
Building Area	2,099 sqft Living Area
Basement Area	2,099 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	128,066 sqft (2.94 acres)
Garage Area	918 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	489 SNYDER RD
City	TROY
State	MO
Zip	63379-4530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.94 AC WITHIN THE E PT OF THE SWSW OF SECT 21
Legal Range	01W
Legal Township	49
Legal Section	21
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1020
Census Tract	810203

Owner

Source: Lincoln County assessment roll, as of June 1, 2025

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	489 SNYDER RD, TROY, MO 63379-4530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jul 5, 2018	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 5, 2018
Deed Sale	Jul 5, 2018
Deed Document Number	2018005825
Deed Book / Page	2424 / 0445
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	489 SNYDER RD, TROY, MO 63379-4530
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	CLEARF TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 SNYDER RD, TROY, MO 63379-4530

Mortgage

Document Number	002480/875
Date	Jun 23, 2022
Book Page	2480/875
Instrument	2022006621

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	489 SNYDER RD, TROY, MO 63379-4530
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 SNYDER RD, TROY, MO 63379-4530

Mortgage

Document Number	2466/550
Date	Jul 6, 2021
Book Page	2466/550
Instrument	2021009097

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 5, 2018
Property Address	489 SNYDER RD, TROY, MO 63379-4530
Document Number	2424/0445
Book / Page	2424 / 0445
Instrument Date	Jun 28, 2018
Instrument	2018005825
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 SNYDER RD, TROY, MO 63379-4530

Mortgage

Document Number	2018005826
Date	Jul 5, 2018
Instrument	2018005826

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of June 1, 2025

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
2025	$4,077.00 (+5.95%)	$66,711 (+7.41%) Land $4,902 Building $61,809	$351,110 (+7.41%) Land $25,800 Building $325,310
2023	$3,848.00 (+4.76%)	$62,107 Land $4,560 Building $57,547	$326,880 Land $24,000 Building $302,880
2022	$3,673.00

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
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
SysTec Wireless Communications Fixed Wireless	100 / 20
Brightspeed DSL	80 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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