Lincoln County property record for 413 Rail Ridge Dr, Troy, MO 63379
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.25 ba · 1,232 sqft · built 2022 |
| Lot Size | 0.247 acres (10,759 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,101 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-10-01-000-000-004.045 |
| Primary APN | 19-10-01-000-000-004.045 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Basement Area | 1,232 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Ranch |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,759 sqft (0.247 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 413 RAIL RIDGE DR |
|---|---|
| City | TROY |
| State | MO |
| Zip | 63379-2997 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 35 STONECROSSING PLAT 5 |
| Legal Range | 01W |
| Legal Township | 48N |
| Legal Section | 01 |
| Legal Subdivision | STONECROSSING |
| Legal Lot Number | 35 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | CLARK |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 810308 |
413 Rail Ridge Dr is owned and occupied by two individuals.
Source: Lincoln County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 413 RAIL RIDGE DR, TROY, MO 63379-2997 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Feb 10, 2023 |
| Property Address | 413 RAIL RIDGE DR, TROY, MO 63379-2997 |
| Document Number | 002487/858 |
| Book / Page | 2487 / 858 |
| Map Reference | MB 15 PG 22 |
| Instrument Date | Feb 9, 2023 |
| Instrument | 2023000992 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 26, 2023 |
| Title Company | MEYER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 413 RAIL RIDGE DR, TROY, MO 63379-2997 |
| Document Number | 2023000993 |
|---|---|
| Date | Feb 10, 2023 |
| Instrument | 2023000993 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
The 2025 property tax bill for 413 Rail Ridge Dr was $2,101.
Source: Lincoln County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Municipality | Troy City |
| Unified School District | Troy R-III School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $34,961 (-) Land $4,571 Building $30,390 | ||
| 2025 | $2,101.00 | $34,961 Land $4,571 Building $30,390 | $184,010 Land $24,060 Building $159,950 |
| 2023 | $1,748.00 | $32,205 Land $3,834 Building $28,371 | $169,500 Land $20,180 Building $149,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 413 Rail Ridge Dr in Zone X, an area of minimal flood risk.
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 risk around 413 Rail Ridge Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 92% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 103 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Brightspeed, Systec Wireless Communications, Wisper ISP.
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