6436 Saddle Ridge Rd, Troy, MO 63379 Property Records

Lincoln County property record for 6436 Saddle Ridge Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,980 sqft · built 2016
Lot Size	5.85 acres (254,826 sqft)
Owner	2 Individual Names on File
Last Sale	$305,400 (Sep 2020)
Tax Bill	$3,439 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-20-03-000-000-014.001`

Property Details

APN / Parcel Number

Primary APN	`15-20-03-000-000-014.001`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
Basement Area	1,980 sqft
Unfinished Basement	1,980 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	254,826 sqft (5.85 acres)
Garage Area	964 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	6436 SADDLE RIDGE RD
City	TROY
State	MO
Zip	63379-4708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.85 AC TRACT BEING PT OF W1/2 OF NW1/4 OF SE1/4 SEC 3, SURVEY K1/5 & K1/74
Legal Subdivision	BEN J SWOBODA AND HELLEN J SWOBODA
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1011
Census Tract	810306

Owner

6436 Saddle Ridge Rd is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	6436 SADDLE RIDGE RD, TROY, MO 63379-4708
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
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK
Sep 10, 2020	Personal Representative Deed, Transfer · Conventional Mortgage HNB NATIONAL BANK
Jul 5, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage HNB NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Prior Sale	Jul 5, 2017 · Amount on File
Deed Document Number	202010216
Deed Book / Page	2452 / 155
Prior Transfer Date	Jun 23, 2017
Prior Transfer Doc	2412/0732
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	6436 SADDLE RIDGE RD, TROY, MO 63379-4708
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2448/830
Date	Jun 30, 2020
Book Page	2448/830
Instrument	2020006868

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

September 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	LINCOLN MO
Recording Date	Sep 10, 2020
Property Address	6436 SADDLE RIDGE RD, TROY, MO 63379-4708
Document Number	2452/155
Book / Page	2452 / 155
Map Reference	MB 166 PG 15
Instrument Date	Sep 8, 2020
Instrument	2020010216
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	MEYER TITLE COMPANY, MEYER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6436 SADDLE RIDGE RD, TROY, MO 63379-4708

Mortgage

Document Number	2020010137
Date	Sep 10, 2020
Instrument	2020010137

Lender

Name	HNB NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2050

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Jul 5, 2017
Property Address	6436 SADDLE RIDGE RD, TROY, MO 63379-4708
Document Number	2412/0732
Book / Page	2412 / 0732
Instrument Date	Jun 23, 2017
Instrument	2017006191
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	L COUNTY TITLE, ALL COUNTY TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6436 SADDLE RIDGE RD, TROY, MO 63379-4708

Mortgage

Document Number	2017006192
Date	Jul 5, 2017
Instrument	2017006192

Lender

Name	HNB NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 6436 Saddle Ridge Rd was $3,439.

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		$56,278 (-) Land $6,308 Building $49,970
2025	$3,439.00	$56,278 Land $6,308 Building $49,970	$296,200 Land $33,200 Building $263,000
2023	$3,251.00 (+4.53%)	$52,470 Land $5,795 Building $46,675	$276,160 Land $30,500 Building $245,660
2022	$3,110.00

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 6436 Saddle Ridge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 6436 Saddle Ridge Rd is moderate, ranking above 42% 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 42% of the US · above 45% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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