Lincoln County property record for 424 Rail Ridge Dr, Troy, MO 63379
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,608 sqft · built 2022 |
| Lot Size | 0.372 acres (16,204 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,818 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-10-01-000-000-004.054 |
| Primary APN | 19-10-01-000-000-004.054 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,608 sqft Living Area |
| Basement Area | 1,608 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Ranch |
| Lot Area | 16,204 sqft (0.372 acres) |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 424 RAIL RIDGE DR |
|---|---|
| City | TROY |
| State | MO |
| Zip | 63379-2996 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 44 STONECROSSING PLAT 5 |
| Legal Range | 01W |
| Legal Township | 48N |
| Legal Section | 01 |
| Legal Subdivision | STONECROSSING |
| Legal Lot Number | 44 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | CLARK |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 810308 |
424 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 | 424 RAIL RIDGE DR, TROY, MO 63379-2996 |
| 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 | Dec 20, 2022 |
| Property Address | 424 RAIL RIDGE DR, TROY, MO 63379-2996 |
| Document Number | 002486/546 |
| Book / Page | 2486 / 546 |
| Map Reference | MB 15 PG 22 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 2022012333 |
| 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 | 424 RAIL RIDGE DR, TROY, MO 63379-2996 |
| Document Number | 2022012334 |
|---|---|
| Date | Dec 20, 2022 |
| Instrument | 2022012334 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 11% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 11% |
The 2025 property tax bill for 424 Rail Ridge Dr was $2,818.
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 | $44,986 (-) Land $4,839 Building $40,147 | ||
| 2025 | $2,818.00 | $44,986 Land $4,839 Building $40,147 | $236,770 Land $25,470 Building $211,300 |
| 2023 | $2,630.00 | $41,350 Land $3,853 Building $37,497 | $217,630 Land $20,280 Building $197,350 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 424 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 424 Rail Ridge Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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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