427 James St, Troy, MO 63379 Property Records

Lincoln County property record for 427 James St, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,793 sqft · built 1965
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on Record
Last Sale	$139,400 (Jul 2017)
Tax Bill	$1,190 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Jun 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-80-27-004-004-007.000`

Property Details

APN / Parcel Number

Primary APN	`15-80-27-004-004-007.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,793 sqft Living Area
Attic	Attic
Attic Area	465 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,801 sqft (0.225 acres)
Garage Area	272 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	427 JAMES ST
City	TROY
State	MO
Zip	63379-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 NAGLE SUBD
Legal Range	01W
Legal Township	49N
Legal Section	37
Legal Subdivision	NAGLE
Legal Lot Number	23
Jurisdiction	LINCOLN MO
Township / Civil Division	BEDFORD
Census Block Group	5
Census Block	5030
Census Tract	810305

Owner

Source: Lincoln County records, as of December 2, 2025

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	427 JAMES ST, TROY, MO 63379-2115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 1, 2023	Warranty Deed, Transfer INVESTORS TITLE COMPANY
Jun 5, 2023	Warranty Deed, Transfer · Commercial Mortgage THREE DOORS FUNDING LLC
Jul 25, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF WASHINGTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2017 · Amount on Record
Deed Sale	Jul 25, 2017 · Amount on Record
Prior Sale	Oct 20, 2015 · Amount on Record
Deed Document Number	20176914
Deed Book / Page	2413 / 453
Prior Transfer Date	Oct 9, 2015
Prior Transfer Doc	2392/0920
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Dec 12, 2023
Property Address	427 JAMES ST, TROY, MO 63379-2115
Document Number	002496/178
Book / Page	2496 / 178
Map Reference	MB 4 PG 37
Instrument Date	Dec 7, 2023
Instrument	2023009437
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 JAMES ST, TROY, MO 63379-2115

Mortgage

Document Number	2023009438
Date	Dec 12, 2023
Instrument	2023009438

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 1, 2023
Property Address	427 JAMES ST, TROY, MO 63379-2115
Document Number	002490/840
Book / Page	2490 / 840
Map Reference	MB 4 PG 37
Instrument Date	May 30, 2023
Instrument	2023004033
Transaction Type	Transfer
Record Updated	Aug 8, 2023
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 RUSTIC OAKS DR, WENTZVILLE, MO 63385-2991

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5203 HOLLY HILLS AVE, SAINT LOUIS, MO 63109-3546

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 5, 2023
Property Address	427 JAMES ST, TROY, MO 63379-2115
Document Number	002490/992
Book / Page	2490 / 992
Map Reference	MB 4 PG 37
Instrument Date	May 30, 2023
Instrument	2023004185
Transaction Type	Transfer
Record Updated	Aug 8, 2023
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5203 HOLLY HILLS AVE, SAINT LOUIS, MO 63109-3546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	372 ELM TREE RD, MOSCOW MILLS, MO 63362-1304

Mortgage

Document Number	2023004186
Date	Jun 5, 2023
Instrument	2023004186

Lender

Name	THREE DOORS FUNDING LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 25, 2017
Property Address	427 JAMES ST, TROY, MO 63379-2115
Document Number	2413/0453
Book / Page	2413 / 0453
Map Reference	MB4 PG37
Instrument Date	Jul 14, 2017
Instrument	2017006914
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	427 JAMES ST, 427, TROY, MO 63379-2115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 JAMES ST, TROY, MO 63379-2115

Mortgage

Document Number	2017006915
Date	Jul 25, 2017
Instrument	2017006915

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 11, 2025

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
2025	$1,190.00 (+8.08%)	$18,941 (+9.38%) Land $1,955 Building $16,986	$99,690 (+9.38%) Land $10,290 Building $89,400
2023	$1,101.00 (+4.86%)	$17,317 (+5.37%) Land $1,303 Building $16,013	$91,140 (+5.36%) Land $6,860 Building $84,280
2022	$1,050.00	$16,435 Land $1,303 Building $15,132
2021			$86,500 Land $6,860 Building $79,640

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Systec Wireless Communications, Wisper ISP.

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