649 Ridge Rd, Troy, MO 63379 Property Records

Lincoln County property record for 649 Ridge Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,012 sqft · built 1998
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on File
Last Sale	$211,000 (Jul 2017)
Tax Bill	$2,292 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-10-000-000-044.000`

Property Details

APN / Parcel Number

Primary APN	`14-20-10-000-000-044.000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,012 sqft Living Area
Basement Area	796 sqft
Unfinished Basement	796 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Contemporary
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,045 sqft (1.08 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	649 RIDGE RD
City	TROY
State	MO
Zip	63379-5643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.08 AC SWSE W OF CO RD 226
Legal Range	01E
Legal Township	49N
Legal Section	10
Jurisdiction	LINCOLN MO
Township / Civil Division	SNOW HILL
Census Block Group	3
Census Block	3000
Census Tract	810309

Owner

Source: Lincoln County assessment roll, as of September 11, 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
Mailing Address	649 RIDGE RD, TROY, MO 63379-5643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Sep 15, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jun 9, 2022	Intrafamily Transfer, Transfer
Jul 12, 2017	Warranty Deed, Transfer · FHA Mortgage MORTGAGE LENDERS OF AMERICA LLC
Jan 24, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage INTEGRITY MORTGAGE OF MISSOURI CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 12, 2017 · Amount on Record
Deed Sale	Jul 12, 2017 · Amount on Record
Prior Sale	Jan 24, 2017 · Amount on Record
Deed Document Number	20176452
Deed Book / Page	2412 / 993
Prior Transfer Date	Jan 5, 2017
Prior Transfer Doc	02407/0211
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	649 RIDGE RD, TROY, MO 63379-5643
Transaction Type	Mortgage
Record Updated	Jan 30, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 RIDGE RD, TROY, MO 63379-5643

Mortgage

Document Number	002486/163
Date	Dec 7, 2022
Book Page	2486/163
Instrument	2022011947

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	649 RIDGE RD, TROY, MO 63379-5643
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 RIDGE RD, TROY, MO 63379-5643

Mortgage

Document Number	002469/567
Date	Sep 15, 2021
Book Page	2469/567
Instrument	2021012128

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Aug 1, 2047

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Jun 9, 2022
Property Address	649 RIDGE RD, TROY, MO 63379-5643
Document Number	002480/402
Book / Page	2480 / 402
Instrument Date	Jun 25, 2020
Instrument	2022006146
Transaction Type	Transfer
Record Updated	Jul 28, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	317 JUNE DR, 317, TROY, MO 63379-5717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 RIDGE RD, TROY, MO 63379-5643

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 12, 2017
Property Address	649 RIDGE RD, TROY, MO 63379-5643
Document Number	02412/0993
Book / Page	2412 / 0993
Instrument Date	Jul 6, 2017
Instrument	2017006452
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	649 RIDGE RD, 649, TROY, MO 63379-5643

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	649 RIDGE RD, TROY, MO 63379-5643

Mortgage

Document Number	02412/0994
Date	Jul 12, 2017
Book Page	2412/0994
Instrument	2017006453

Lender

Name	MORTGAGE LENDERS OF AMERICA LLC
Type	Lending Institution
Address	LEAWOOD, KS 66211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Jan 24, 2017
Property Address	649 RIDGE RD, TROY, MO 63379-5643
Document Number	02407/0211
Book / Page	2407 / 0211
Instrument Date	Jan 5, 2017
Instrument	2017000626
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 RIDGE RD, TROY, MO 63379-5643

Mortgage

Document Number	2017000627
Date	Jan 24, 2017
Instrument	2017000627

Lender

Name	INTEGRITY MORTGAGE OF MISSOURI CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 11, 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	$2,292.00 (+4.71%)	$37,500 (+6.12%) Land $3,173 Building $34,327	$197,370 (+6.12%) Land $16,700 Building $180,670
2023	$2,189.00 (+4.99%)	$35,336 Land $2,945 Building $32,391	$185,980 Land $15,500 Building $170,480
2022	$2,085.00

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

Source: FEMA National Flood Hazard Layer, effective October 5, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LINCOLN COUNTY PWSD 1 serves 14,000 people · EPA ID MO6024340
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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