815 Ridge Rd, Troy, MO 63379 Property Records

Lincoln County property record for 815 Ridge Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,138 sqft · built 1981
Lot Size	5.05 acres (219,978 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Dec 2018)
Tax Bill	$1,667 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-10-000-000-008.000`

Property Details

APN / Parcel Number

Primary APN	`14-20-10-000-000-008.000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,138 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	219,978 sqft (5.05 acres)
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	815 RIDGE RD
City	TROY
State	MO
Zip	63379-5650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.05 AC M/L IN THE SE PT OF THE SENW OF SEC 10: CO RD 681
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 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	815 RIDGE RD, TROY, MO 63379-5650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Apr 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST BANK CENTRE
Dec 10, 2018	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2018 · Amount on Record
Deed Sale	Dec 10, 2018 · Amount on Record
Prior Sale	Aug 20, 2014 · Amount on Record
Deed Document Number	201811057
Deed Book / Page	2429 / 642
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	815 RIDGE RD, TROY, MO 63379-5650
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2455/527
Date	Nov 19, 2020
Book Page	2455/527
Instrument	2020013609

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	815 RIDGE RD, TROY, MO 63379-5650
Transaction Type	Mortgage
Record Updated	May 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2433/0219
Date	Apr 25, 2019
Book Page	2433/0219
Instrument	2019003063

Lender

Name	MIDWEST BANK CENTRE
Type	Bank
Address	SAINT LOUIS, MO 63125

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Dec 10, 2018
Property Address	815 RIDGE RD, TROY, MO 63379-5650
Document Number	2429/0642
Book / Page	2429 / 0642
Instrument Date	Dec 7, 2018
Instrument	2018011057
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 RIDGE RD, TROY, MO 63379-5650

Mortgage

Document Number	2018011058
Date	Dec 10, 2018
Instrument	2018011058

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

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		$29,034 (-) Land $3,230 Building $25,804
2025	$1,667.00 (+2.02%)	$29,034 (+7.8%) Land $3,230 Building $25,804	$152,810 (+7.79%) Land $17,000 Building $135,810
2023	$1,634.00 (+4.68%)	$26,934 Land $3,002 Building $23,932	$141,760 Land $15,800 Building $125,960
2022	$1,561.00

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	0.05% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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