405 Rail Ridge Dr, Troy, MO 63379 Property Records

Lincoln County property record for 405 Rail Ridge Dr, Troy, MO 63379 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,460 sqft · built 2022
Lot Size	0.268 acres (11,674 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,502 (2025)
Deeds & Mortgages	Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-10-01-000-000-004.043`

Property Details

APN / Parcel Number

Primary APN	`19-10-01-000-000-004.043`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,460 sqft Living Area
Basement Area	1,460 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,674 sqft (0.268 acres)
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	405 RAIL RIDGE DR
City	TROY
State	MO
Zip	63379-2997
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 33 STONECROSSING PLAT 5
Legal Range	01W
Legal Township	48N
Legal Section	01
Legal Subdivision	STONECROSSING
Legal Lot Number	33
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	3
Census Block	3016
Census Tract	810308

Owner

Source: Lincoln County records · APN 19-10-01-000-000-004.043

Assessment roll updated September 11, 2025 · Last verified August 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 File
Mailing Address	405 RAIL RIDGE DR, TROY, MO 63379-2997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Mar 29, 2023
Property Address	405 RAIL RIDGE DR, TROY, MO 63379-2997
Document Number	0002489/72
Book / Page	2489 / 72
Map Reference	MB 15 PG 22
Instrument Date	Mar 28, 2023
Instrument	2023002248
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 29, 2023
Title Company	MEYER TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	405 RAIL RIDGE DR, TROY, MO 63379-2997

Mortgage

Document Number	2023002249
Date	Mar 29, 2023
Instrument	2023002249

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Mar 28, 2056

Interest

Rate	2.5%

Tax Assessment & Valuation

Source: Lincoln County records · Assessment roll updated September 11, 2025 · Last verified August 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

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	$2,502.00 (+36.95%)	$39,833 (+7.63%) Land $4,590 Building $35,243	$209,650 (+7.63%) Land $24,160 Building $185,490
2023	$1,827.00	$37,010 Land $3,838 Building $33,172	$194,790 Land $20,200 Building $174,590

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lincoln County (29113C), updated October 5, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 5% of the US · above 8% of Missouri
Wildfire Likelihood	About 1 in 3,846 per year
Exposure	Direct burnable vegetation at the parcel

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