Lincoln County property record for 6434 Saddle Ridge Rd, Troy, MO 63379
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,371 sqft · built 1997 |
| Lot Size | 4.73 acres (206,126 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,948 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-20-03-000-000-014.002 |
| Primary APN | 15-20-03-000-000-014.002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,371 sqft Living Area |
| Basement Area | 1,186 sqft |
| Unfinished Basement | 1,186 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 206,126 sqft (4.73 acres) |
| Garage Area | 868 sqft |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Street Address | 6434 SADDLE RIDGE RD |
|---|---|
| City | TROY |
| State | MO |
| Zip | 63379-4708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4.732 AC TRACT IN W1/2 OF NW1/4 OF SE1/4 SEC 3 |
| Legal Range | 01W |
| Legal Township | 49N |
| Legal Section | 03 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | BEDFORD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 810306 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6434 SADDLE RIDGE RD, TROY, MO 63379-4708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 6434 SADDLE RIDGE RD, TROY, MO 63379-4708 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2420/0538 |
|---|---|
| Date | Mar 8, 2018 |
| Book Page | 2420/0538 |
| Instrument | 2018001895 |
| Name | HNB NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | HANNIBAL, MO 63401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Lincoln County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Unified School District | Troy R-III School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $48,245 (-) Land $5,681 Building $42,564 | ||
| 2025 | $2,948.00 (+7.83%) | $48,245 (+9.36%) Land $5,681 Building $42,564 | $253,920 (+9.36%) Land $29,900 Building $224,020 |
| 2023 | $2,734.00 (+4.47%) | $44,116 Land $5,225 Building $38,891 | $232,190 Land $27,500 Building $204,690 |
| 2022 | $2,617.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 69% of Missouri |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 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 |
| AT&T Fixed Wireless | 25 / 3 |
| Brightspeed DSL | 10 / 1 |
5G (outdoors only) and 4G LTE
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