50 Saddlefield Ln, Troy, MO 63379 Property Records

Lincoln County property record for 50 Saddlefield Ln, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,936 sqft · built 1964
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$132,500 (Aug 2018)
Tax Bill	$1,602 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-50-15-000-000-004.003`

Property Details

APN / Parcel Number

Primary APN	`08-50-15-000-000-004.003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,936 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	174,240 sqft (4 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	50 SADDLEFIELD LN
City	TROY
State	MO
Zip	63379-4978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.00 AC WITHIN THE SE PT OF THE NENW OF SECT 15
Legal Range	01W
Legal Township	50N
Legal Section	15
Jurisdiction	LINCOLN MO
Township / Civil Division	UNION
Census Block Group	1
Census Block	1070
Census Tract	810206

Owner

50 Saddlefield Ln is owned and occupied by two individuals who bought it in August 2018.

Source: Lincoln County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	50 SADDLEFIELD LN, TROY, MO 63379-4978
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jan 26, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 3, 2018	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2018 · Amount on File
Deed Sale	Aug 3, 2018 · Amount on File
Prior Sale	May 21, 2009
Deed Document Number	20186946
Deed Book / Page	2425 / 555
Prior Transfer Date	Jan 4, 2011
Prior Transfer Doc	2176/0940
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	50 SADDLEFIELD LN, TROY, MO 63379-4978
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 SADDLEFIELD LN, TROY, MO 63379-4978

Mortgage

Document Number	002495/242
Date	Nov 3, 2023
Book Page	2495/242
Instrument	2023008486

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	50 SADDLEFIELD LN, TROY, MO 63379-4978
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	STEWART TITLE/CALDWELL, STC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 SADDLEFIELD LN, TROY, MO 63379-4978

Mortgage

Document Number	002475/617
Date	Feb 8, 2022
Book Page	2475/617
Instrument	2022001337

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	50 SADDLEFIELD LN, TROY, MO 63379-4978
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2458/700
Date	Jan 26, 2021
Book Page	2458/700
Instrument	2021001188

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 5, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Aug 3, 2018
Property Address	50 SADDLEFIELD LN, TROY, MO 63379-4978
Document Number	2425/0555
Book / Page	2425 / 0555
Instrument Date	Jul 30, 2018
Instrument	2018006946
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	368 CLARENDON LN, 368, SAINT CHARLES, MO 63301-4503

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	50 SADDLEFIELD LN, TROY, MO 63379-4978

Mortgage

Document Number	2018006947
Date	Aug 3, 2018
Instrument	2018006947

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 50 Saddlefield Ln was $1,602.

Source: Lincoln County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Unified School District	Silex R-I School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$30,474 (-) Land $4,693 Building $25,781
2025	$1,602.00	$30,474 Land $4,693 Building $25,781	$160,390 Land $24,700 Building $135,690
2023	$1,501.00 (+5.11%)	$28,606 Land $4,370 Building $24,236	$150,560 Land $23,000 Building $127,560
2022	$1,428.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 50 Saddlefield Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 50 Saddlefield Ln is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · above 49% of Missouri
Wildfire Likelihood	0.07% 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)
Wisper ISP Fixed Wireless	400 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
Windstream DSL	100 / 20

May also be available: Spectrum, T-Mobile.

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