20 Rachel Ct, Troy, MO 63379 Property Records

Lincoln County property record for 20 Rachel Ct, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,630 sqft · built 2004
Lot Size	0.253 acres (11,021 sqft)
Owner	Individual Name on File
Tax Bill	$3,400 (2025)
Deeds & Mortgages	Apr 2012 Mortgage Jun 2016 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`15-70-25-004-004-023.000`

Property Details

APN / Parcel Number

Primary APN	`15-70-25-004-004-023.000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,630 sqft Living Area
Basement Area	1,630 sqft
Unfinished Basement	1,630 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,021 sqft (0.253 acres)
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	20 RACHEL CT
City	TROY
State	MO
Zip	63379-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 CARRINGTON SOUTH
Legal Range	01W
Legal Township	49N
Legal Section	18
Legal Subdivision	CARRINGTON SOUTH
Legal Lot Number	23
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2013
Census Tract	810306

Owner

20 Rachel Ct is owned and occupied by an individual who acquired it in February 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	20 RACHEL CT, TROY, MO 63379-2423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2012	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 30, 2016	Deed of Trust, Mortgage · Conventional Mortgage BANK OF SULLIVAN
Apr 17, 2026	Deed, Transfer
Feb 28, 2020	Warranty Deed, Transfer SELECT TITLE GROUP
Jul 31, 2014	Warranty Deed, Transfer · Conventional Mortgage BANK OF SULLIVAN
Apr 11, 2012	Warranty Deed, Transfer
Nov 5, 2010	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY STATE BANK OF MISSOURI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2020
Deed Sale	Feb 28, 2020
Prior Sale	Jul 31, 2014 · Amount on File
Deed Document Number	20201979
Deed Book / Page	2443 / 979
Record Updated	Oct 29, 2026

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	20 RACHEL CT, TROY, MO 63379-2423
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02242/0206
Date	Apr 11, 2012
Book Page	2242/0206
Instrument	20120003324

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2042

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	20 RACHEL CT, TROY, MO 63379-2423
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02400/0231
Date	Jun 30, 2016
Book Page	2400/0231
Instrument	2016005230

Lender

Name	BANK OF SULLIVAN
Type	Bank
Address	SULLIVAN, MO 63080

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2046

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN MO
Recording Date	Apr 17, 2026
Property Address	20 RACHEL CT, TROY, MO 63379-2423
Instrument Date	Apr 17, 2026
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 28, 2020
Property Address	20 RACHEL CT, TROY, MO 63379-2423
Document Number	002443/979
Book / Page	2443 / 979
Map Reference	MB 13 PG 72
Instrument Date	Feb 27, 2020
Instrument	2020001979
Transaction Type	Transfer
Record Updated	Jun 24, 2026
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 RACHEL CT, TROY, MO 63379-2423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RACHEL CT, TROY, MO 63379-2423
Investor	Possibly a Property Investor

July 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 31, 2014
Property Address	20 RACHEL CT, TROY, MO 63379-2423
Document Number	02367/0827
Book / Page	2367 / 0827
Map Reference	MB 13 PG 72
Instrument Date	Jul 25, 2014
Instrument	2014005426
Transaction Type	Transfer
Record Updated	Jun 24, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23814 HIGHWAY 129, SALISBURY, MO 65281-2651

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RACHEL CT, TROY, MO 63379-2423

Mortgage

Document Number	2014005427
Date	Jul 31, 2014
Instrument	2014005427

Lender

Name	BANK OF SULLIVAN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2044

April 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Apr 11, 2012
Property Address	20 RACHEL CT, TROY, MO 63379-2423
Document Number	02242/0204
Book / Page	2242 / 0204
Map Reference	MB13 PG72
Instrument Date	Apr 10, 2012
Instrument	20120003323
Transaction Type	Transfer
Record Updated	Jun 24, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RACHEL CT, TROY, MO 63379-2423

November 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 5, 2010
Property Address	20 RACHEL CT, TROY, MO 63379-2423
Document Number	02168/0580
Book / Page	2168 / 0580
Map Reference	MB14 PG52
Instrument Date	Nov 5, 2010
Instrument	20100009478
Transaction Type	Transfer
Record Updated	Jun 24, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RACHEL CT, TROY, MO 63379-2423

Mortgage

Document Number	20100009409
Date	Nov 5, 2010
Instrument	20100009409

Lender

Name	COMMUNITY STATE BANK OF MISSOURI

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 20 Rachel Ct was $3,400.

Source: Lincoln County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Municipality	Troy City
Unified School District	Troy R-III School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$54,129 (-) Land $4,579 Building $49,550
2025	$3,400.00	$54,129 Land $4,579 Building $49,550	$284,890 Land $24,100 Building $260,790
2023	$3,206.00 (+5.08%)	$50,396 Land $3,815 Building $46,580	$265,240 Land $20,080 Building $245,160
2022	$3,051.00

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

Flood

FEMA maps place 20 Rachel Ct 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	3 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 20 Rachel Ct is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 73% of Missouri
Wildfire Likelihood	0.04% 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	TROY PWS serves 15,000 people · EPA ID MO6010798
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Systec Wireless Communications, T-Mobile.

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