548 Long Train Dr, Troy, MO 63379 Property Records

Lincoln County property record for 548 Long Train Dr, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,822 sqft · built 2015
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$177,000 (Mar 2016)
Tax Bill	$2,889 (2025)
Deeds & Mortgages	Jan 2026 Construction Loan May 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`19-10-01-000-000-004.123`

Property Details

APN / Parcel Number

Primary APN	`19-10-01-000-000-004.123`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,822 sqft Living Area
Basement Area	1,822 sqft
Unfinished Basement	1,822 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asbestos
Lot Area	10,019 sqft (0.23 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	548 LONG TRAIN DR
City	TROY
State	MO
Zip	63379-2956
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 113 STONECROSSING
Legal Range	01W
Legal Township	48N
Legal Section	01
Legal Subdivision	STONECROSSING
Legal Lot Number	113
Jurisdiction	LINCOLN MO
Township / Civil Division	CLARK
Census Block Group	3
Census Block	3007
Census Tract	810308

Owner

548 Long Train Dr is owned and occupied by two individuals who bought it in March 2016.

Source: Lincoln County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	548 LONG TRAIN DR, TROY, MO 63379-2956
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Construction Mortgage CONSERVATION FIRST BANK
May 23, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2016 · Amount on File
Deed Sale	Mar 16, 2016 · Amount on File
Deed Document Number	20161871
Deed Book / Page	2396 / 878
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	548 LONG TRAIN DR, TROY, MO 63379-2956
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	MEYER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 LONG TRAIN DR, TROY, MO 63379-2956

Mortgage

Document Number	002517/637
Date	Jan 20, 2026
Book Page	2517/637
Instrument	2026000526

Lender

Name	CONSERVATION FIRST BANK
Type	Bank
Address	BENTON, WI 53803

Agreement

Type	Construction Mortgage
Amount	Amount on Record

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	May 23, 2023
Property Address	548 LONG TRAIN DR, TROY, MO 63379-2956
Document Number	002490/610
Book / Page	2490 / 610
Map Reference	MB 14 PG 270
Instrument Date	May 17, 2023
Instrument	2023003802
Transaction Type	Transfer
Record Updated	Aug 8, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 LONG TRAIN DR, TROY, MO 63379-2956

Tax Assessment & Valuation

The 2025 property tax bill for 548 Long Train Dr was $2,889.

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		$45,995 (-) Land $4,571 Building $41,424
2025	$2,889.00	$45,995 Land $4,571 Building $41,424	$242,080 Land $24,060 Building $218,020
2023	$2,708.00 (+6.03%)	$42,571 (+6.52%) Land $3,857 Building $38,714	$224,060 Land $20,300 Building $203,760
2022	$2,554.00	$39,965 Land $3,857 Building $36,108
2021			$210,340 Land $20,300 Building $190,040

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

FEMA maps place 548 Long Train 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

Wildfire risk around 548 Long Train Dr is low, with a 0.01% 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	0.01% 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 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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