421 Rail Ridge Dr, Troy, MO 63379 Property Records

Lincoln County property record for 421 Rail Ridge Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,747 sqft · built 2022
Lot Size	0.236 acres (10,280 sqft)
Owner	Individual Name on Record
Tax Bill	$2,738 (2025)
Deeds & Mortgages	Mar 2026 Sale Jan 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-10-01-000-000-004.047`

Property Details

APN / Parcel Number

Primary APN	`19-10-01-000-000-004.047`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,747 sqft Living Area
Basement Area	1,747 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	10,280 sqft (0.236 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	421 RAIL RIDGE DR
City	TROY
State	MO
Zip	63379-2997
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 37 STONECROSSING PLAT 5
Legal Range	01W
Legal Township	48N
Legal Section	01
Legal Subdivision	STONECROSSING
Legal Lot Number	37
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	3
Census Block	3016
Census Tract	810308

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	Individual Name on Record
Mailing Address	421 RAIL RIDGE DR, TROY, MO 63379-2997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Beneficiary Deed, Transfer
Jan 30, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2026: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LINCOLN MO
Recording Date	Mar 30, 2026
Property Address	421 RAIL RIDGE DR, TROY, MO 63379-2997
Document Number	002519/860
Book / Page	2519 / 860
Map Reference	MB 15 PG 22
Instrument Date	Mar 27, 2026
Instrument	2026002775
Transaction Type	Transfer
Record Updated	Jun 24, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 RAIL RIDGE DR, TROY, MO 63379-2997

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	421 RAIL RIDGE DR, TROY, MO 63379-2997

January 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jan 30, 2023
Property Address	421 RAIL RIDGE DR, TROY, MO 63379-2997
Document Number	002487/525
Book / Page	2487 / 525
Map Reference	MB 15 PG 22
Instrument Date	Jan 26, 2023
Instrument	2023000658
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 24, 2026
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
Address	421 RAIL RIDGE DR, TROY, MO 63379-2997

Mortgage

Document Number	2023000659
Date	Jan 30, 2023
Instrument	2023000659

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2038

Tax Assessment & Valuation

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		$43,583 (-) Land $4,549 Building $39,034
2025	$2,738.00 (+6.25%)	$43,583 (+7.58%) Land $4,549 Building $39,034	$229,380 (+7.57%) Land $23,940 Building $205,440
2023	$2,577.00	$40,514 Land $3,827 Building $36,687	$213,230 Land $20,140 Building $193,090

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

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	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.

Internet Providers

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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