88 Windy Ridge Ln, Troy, MO 63379 Property Records

Lincoln County property record for 88 Windy Ridge Ln, Troy, MO 63379

Property Summary

Property Type	Mobile Home
Details	4 bd · 3 ba · 924 sqft · built 1996
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Tax Bill	$371 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-40-18-000-000-005.012`

Property Details

APN / Parcel Number

Primary APN	`09-40-18-000-000-005.012`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	924 sqft Living Area

Exterior

Year Built	Built 1996
Architectural Style	Modular
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Metal
Lot Area	130,680 sqft (3 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	88 WINDY RIDGE LN
City	TROY
State	MO
Zip	63379-5055
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	3.00 AC TRACT SITUATED IN PT OF FRACTIONAL SEC 18
Legal Range	01E
Legal Section	18
Jurisdiction	LINCOLN MO
Township / Civil Division	SNOW HILL
Census Block Group	2
Census Block	2049
Census Tract	810309

Owner

Source: Lincoln County records · APN 09-40-18-000-000-005.012

Assessment roll updated June 1, 2025 · Last verified December 2025

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 File
Mailing Address	88 WINDY RIDGE LN, TROY, MO 63379-5055
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY STATE BANK OF MISSOURI
Dec 27, 2019	Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK OF MISSOURI
Feb 26, 2018	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY STATE BANK OF MISSOURI

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	88 WINDY RIDGE LN, TROY, MO 63379-5055
Transaction Type	Mortgage
Record Updated	Jan 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 WINDY RIDGE LN, TROY, MO 63379-5055

Mortgage

Document Number	002474/175
Date	Dec 29, 2021
Book Page	2474/175
Instrument	2021016766

Lender

Name	COMMUNITY STATE BANK OF MISSOURI
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Dec 24, 2033

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	88 WINDY RIDGE LN, TROY, MO 63379-5055
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2441/0869
Date	Dec 27, 2019
Book Page	2441/0869
Instrument	2019011785

Lender

Name	COMMUNITY STATE BANK OF MISSOURI
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 28, 2029

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	88 WINDY RIDGE LN, TROY, MO 63379-5055
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2420/0221
Date	Feb 26, 2018
Book Page	2420/0221
Instrument	2018001577

Lender

Name	COMMUNITY STATE BANK OF MISSOURI
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Lincoln County records · Assessment roll updated June 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Unified School District	Elsberry R-II School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$371.00 (+25.76%)	$6,788 (+27.86%) Land $2,846 Building $3,942	$35,730 (+27.88%) Land $14,980 Building $20,750
2023	$295.00 (-2.96%)	$5,309 Land $2,694 Building $2,614	$27,940 Land $14,180 Building $13,760
2022	$304.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 5, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30

May also be available: Spectrum.

Based on FCC filings for 21 locations within half a mile of this property.

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