81 Saddlefield Ln, Troy, MO 63379 Property Records

Lincoln County property record for 81 Saddlefield Ln, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,068 sqft · built 2015
Lot Size	3.04 acres (132,422 sqft)
Owner	2 Individual Names on File
Last Sale	$326,400 (Mar 2017)
Tax Bill	$3,122 (2025)
Deeds & Mortgages	Sep 2021 Second Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-50-15-000-000-004.020`

Property Details

APN / Parcel Number

Primary APN	`08-50-15-000-000-004.020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,068 sqft Living Area
Basement Area	2,068 sqft
Unfinished Basement	2,068 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	132,422 sqft (3.04 acres)
Garage Area	1,428 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	81 SADDLEFIELD LN
City	TROY
State	MO
Zip	63379-4978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 MANORS AT CUIVRE FORD
Legal Range	01W
Legal Township	50N
Legal Section	15
Legal Subdivision	MANORS AT CUIVRE FORD
Legal Lot Number	10
Jurisdiction	LINCOLN MO
Township / Civil Division	UNION
Census Block Group	1
Census Block	1070
Census Tract	810206

Owner

81 Saddlefield Ln is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	81 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
Sep 17, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Aug 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Mar 6, 2017	Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LENDING LLC
Mar 6, 2017	Intrafamily Transfer, Transfer NOT AVAILABLE, UST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2017 · Amount on File
Deed Sale	Mar 6, 2017 · Amount on File
Prior Sale	Apr 14, 2014 · Amount on File
Deed Document Number	20171864
Deed Book / Page	2408 / 443
Prior Transfer Date	Mar 1, 2017
Prior Transfer Doc	2408/0442
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	81 SADDLEFIELD LN, TROY, MO 63379-4978
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 AADDLEFIELD IN, TROY, MO 63379

Mortgage

Document Number	2469/849
Date	Sep 17, 2021
Book Page	2469/849
Instrument	2021012410

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 15, 2031

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	81 SADDLEFIELD LN, TROY, MO 63379-4978
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2452/893
Date	Sep 25, 2020
Book Page	2452/893
Instrument	2020010958

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	81 SADDLEFIELD LN, TROY, MO 63379-4978
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2436/0590
Date	Aug 1, 2019
Book Page	2436/0590
Instrument	2019006460

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2039

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Mar 6, 2017
Property Address	81 SADDLEFIELD LN, TROY, MO 63379-4978
Document Number	2408/0443
Book / Page	2408 / 0443
Map Reference	MB174 PG42
Instrument Date	Mar 1, 2017
Instrument	2017001864
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 WESTRIDGE DR, 409, TROY, MO 63379-4464

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 SADDLEFIELD LN, TROY, MO 63379-4978

Mortgage

Document Number	2017001865
Date	Mar 6, 2017
Instrument	2017001865

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Mar 6, 2017
Property Address	81 SADDLEFIELD LN, TROY, MO 63379-4978
Document Number	2408/0442
Book / Page	2408 / 0442
Map Reference	MB174 PG42
Instrument Date	Mar 1, 2017
Instrument	2017001863
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 RIDGECREST DR, 106, TROY, MO 63379-4880

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 SADDLEFIELD LN, TROY, MO 63379-4978

Tax Assessment & Valuation

The 2025 property tax bill for 81 Saddlefield Ln was $3,122.

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		$59,358 (-) Land $7,885 Building $51,473
2025	$3,122.00	$59,358 Land $7,885 Building $51,473	$312,410 Land $41,500 Building $270,910
2023	$2,896.00 (+6.28%)	$55,193 Land $7,596 Building $47,597	$290,490 Land $39,980 Building $250,510
2022	$2,725.00

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 81 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 81 Saddlefield Ln is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 47% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Systec Wireless Communications Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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