405 Rail Ridge Dr, Troy, MO 63379
Property image
Property image
PENDING
3D VIEW
0.27 ACRES
Listed by Tim W Koppel, Berkshire Hathaway HomeServices Select Properties, (636) 293-3166

$330,000

  • 4 Beds
  • 3 Baths
  • 1,640 sqft (on 0.27 acres)

405 Rail Ridge Dr, Troy, MO 63379

Est. Mortgage $2,069/mo*
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Home Highlights

Single-Family Home
Built in 2022
0.27 acre lot
$201/sqft
2 Car Garage
HOA $17/mo

Local Information

  • Map ViewExplore the area around 405 Rail Ridge Dr.
  • Schools1 Preschool School1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

What's unique:Peaceful tree-lined backyardSpacious kitchenGenerous primary suiteTwo additional bedrooms upstairsInviting open floor planSprinkler system
Welcome home to 405 Rail Ridge in Troy! This beautiful 4 year old, 4-bedroom, 3-bath ranch offers the perfect blend of comfort, space, and privacy. Step inside to an inviting open floor plan with soaring vaulted ceilings that create a bright and airy feel throughout the main living area. The spacious kitchen flows seamlessly into the dining and living spaces, making it ideal for entertaining or everyday living. The generous primary suite provides a relaxing retreat with plenty of room to unwind, while two additional bedrooms upstairs offer flexibility for family or guests. The partially finished basement adds valuable living space for a sleeping area or a home office. Outside, enjoy your morning coffee or evening gatherings on the covered patio overlooking a peaceful tree-lined backyard with a sprinkler system. This home is also equipped with forever lights. Nestled in a quiet neighborhood while still being conveniently close to highways, don't miss your opportunity to own this one!

Home Details for 405 Rail Ridge Dr

Interior Features

Interior Details
Basement: Partially Finished,Full,Sleeping AreaNumber of Rooms: 7Types of Rooms: Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Dining Room, Kitchen, Laundry, Living Room
Beds & Baths
Number of Bedrooms: 4Main Level Bedrooms: 3Number of Bathrooms: 3Number of Bathrooms (full): 3Number of Bathrooms (main level): 2
Dimensions and Layout
Living Area: 1640 Square Feet
Appliances & Utilities
Utilities: Cable Available, Electricity Connected, Phone Connected
Heating & Cooling
Heating: ElectricHas CoolingAir Conditioning: Central Air,ElectricHas HeatingHeating Fuel: Electric
Fireplace & Spa
No Fireplace
Gas & Electric
Electric: Single PhaseHas Electric on Property
Levels, Entrance, & Accessibility
Levels: One

Exterior Features

Exterior Home Features
No Private Pool
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2No CarportHas a GarageHas an Attached GarageParking Spaces: 2Parking: Garage Attached
Frontage
Not on Waterfront
Water & Sewer
Sewer: Public Sewer
Finished Area
Finished Area (above surface): 1460 Square FeetFinished Area (below surface): 180

Days on Market

Cumulative Days on Market: 40Days on Market: 62

Property Information

Year Built
Year Built: 2022
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceArchitecture: Ranch
Building
Construction Materials: Vinyl SidingNot Attached PropertyDoes Not Include Home Warranty
Property Information
Parcel Number: 191001000000004043

Price & Status

Price
List Price: $330,000Price Per Sqft: $201
Status Change & Dates
Off Market Date: Tue Sep 01 2026Possession Timing: Close Of Escrow

Active Status

MLS Status: Pending

Location

Direction & Address
City: TroyCommunity: Stone Crossing
School Information
Elementary School: Troy South ElementaryJr High / Middle School: Troy MiddleHigh School: Troy Buchanan HighHigh School District: Troy R-III

Agent Information

Listing Agent
Listing ID: 26044961

Building

Building Area
Building Area: 1640 Square Feet

Community

Not Senior Community

HOA

HOA Fee Includes: Common Area MaintenanceHOA Name: Stone CrossingAssociation for this Listing: St. Charles County Association of REALTORSHas an HOAHOA Fee: $200/Annually

Lot Information

Lot Area: 0.27 acres

Listing Info

Special Conditions: Standard

Offer

Contingencies: Subject to FinancingListing Terms: Cash, Conventional, FHA, VA Loan

Miscellaneous

BasementMls Number: 26044961Above Grade Unfinished Area: 1460Showing Requirements: Appointment Only, Occupied

Additional Information

HOA Amenities: Common Ground

Around this home

What Locals Say about Troy

At least 89 Trulia users voted on each feature.

  • 89 % Say car is needed

  • 89 % Say yards are well-kept

  • 82 % Say parking is easy

  • 77 % Say kids play outside

  • 75 % Say it's dog friendly

  • 67 % Say there's holiday spirit

  • 66 % Say it's quiet

  • 66 % Say people would walk alone at night

  • 51 % Say neighbors are friendly

  • 49 % Say streets are well-lit

  • 47 % Say there are sidewalks

  • 46 % Say there's wildlife

  • 46 % Say they plan to stay for at least 5 years

  • 28 % Say it's walkable to restaurants

  • 26 % Say it's walkable to grocery stores

  • 20 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Me
    "Relatively safe but weary of drivers on the road and their speed. As well as the increase in random crime lately. "
    0
    Flag
  • Schyannethompson
    "Troy is a smaller town, and there are a lot of small-minded people But they can still be nice. Unfortunately the crime rate is going up."
    0
    Flag
  • Schyannethompson
    "The neighborhood is great for the most part. A lot of people do commute out of town for work or any entertainment. The town itself feels really neighborly and well preserved. The only negative I can produce is the amount of drug use that this town continuously faces and unfortunately it is starting to affect our crime rate and our children."
    0
    Flag
  • Lesly G. H.
    "It’s a peaceful place and mostly everyone is nice. There are many beautiful places to visit like cruiver river and other parks. The schools are great also. There are almost no racist people around here which is the most wonderful thing."
    7
    Flag
  • Linda.norton
    "Great neighborhood & over all town. Unity and churches. Friendly communities. Friendly to petsI would recommend Troy to anyone that’s looking for a rule area to live "
    3
    Flag
  • Paula F.
    "We live too far apart to be very friendly. We have spoken and gone to dinner with one couple. Both neighbors have been there to help plow snow when we needed it. "
    0
    Flag
  • Katie M.
    "Long, I like living out in the country but it’s far away from family and friends. I usually spend a min of two hours just driving each day. It’s just too far away from everything. "
    4
    Flag
  • Jessica R.
    "We have a very active trick or treat neighborhood. There’s a lot of city run community events throughout the year."
    2
    Flag
  • Brash1972
    "I drive a bus for Troy school district I see many different neighborhoods I’ve driven for a different school and I can honestly say I love this area and the people here are very helpful and friendly the parks are clean and family friendly I love my job and the schools in this area are very good and the students education are their number one priority it’s all in all a great place to live "
    3
    Flag
  • hoyt a.
    "I used to live on Sutters Lane. Far away and if it snows you can not leave your house sometimes for days at a time."
    0
    Flag
  • Sambalam05
    "Troy is a great area to raise a family! Great schools!"
    0
    Flag
  • Dbechtel
    "The area is quiet and neighbors are good."
    0
    Flag
  • rickt_62
    "Live in the area. Find it to be well cared for, clean, and friendly"
    0
    Flag

Market trends in Troy

Last updated August 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
—
Sale-to-List Price
—
Price per sq ft
—
Available listings
73
6MoM

Home Value

Trulia Estimate
$328K
Since last month
Decreased$2K (-0.7%)
Since last year
Decreased$17K (-4.9%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value decreased by -3% in the last 10 years
MonthEstimated value
2026
September 2026$328K
August 2026$330K
July 2026$350K
June 2026$348K
May 2026$354K
April 2026$351K
March 2026$349K
February 2026$345K
January 2026$338K
2025

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
360 Steam Engine Ct, Troy, MO
0.17
Single-Family Home
-
08/13/26
3
2.5
1,822
131 Wabash Way, Troy, MO
0.25
Single-Family Home
-
11/13/25
4
3
2,659
380 Steam Engine Ct, Troy, MO
0.17
Single-Family Home
-
08/28/26
3
2
1,500
121 Fieldstone Dr, Troy, MO
0.43
Single-Family Home
-
10/27/25
3
2.5
1,590
108 Arundel Dr, Troy, MO
0.38
Single-Family Home
-
12/08/25
4
2
1,824
802 Depot Dr, Troy, MO
0.33
Single-Family Home
-
07/21/26
3
2
1,323
121 Arundel Dr, Troy, MO
0.38
Single-Family Home
-
07/28/26
3
2
1,362
10 Caboose Ct, Troy, MO
0.27
Single-Family Home
-
05/22/26
4
3.5
4,554
149 Arundel Dr, Troy, MO
0.45
Single-Family Home
-
04/24/26
3
2
1,416
35 Hillsdale Dr, Troy, MO
0.52
Single-Family Home
-
10/15/25
3
2
1,804

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
211 Box Car Dr, Troy, MO 63379
0.10
$399,600
3
2
1,960
Off Market
624 Trestle Way, Troy, MO 63379
0.13
$327,000
3
2
1,324
Off Market
231 Box Car Dr, Troy, MO 63379
0.13
$399,600
3
2
3,286
Off Market
360 Steam Engine Ct, Troy, MO 63379
0.17
-
3
2.5
1,822
Recently Sold
380 Steam Engine Ct, Troy, MO 63379
0.17
-
3
2
1,500
Recently Sold
545 Long Train Dr, Troy, MO 63379
0.19
$381,200
3
2
1,853
Off Market
548 Long Train Dr, Troy, MO 63379
0.21
$380,000
3
2
1,822
For Sale
131 Wabash Way, Troy, MO 63379
0.25
$362,100
4
3
2,659
Off Market
10 Caboose Ct, Troy, MO 63379
0.27
-
4
3.5
4,554
Recently Sold
136 Wabash Way, Troy, MO 63379
0.28
$397,400
4
3.5
2,372
Off Market
568 Long Train Dr, Troy, MO 63379
0.28
$394,200
3
2
1,764
Off Market
143 Wabash Way, Troy, MO 63379
0.29
$393,500
5
3
1,955
Off Market

Price and Tax history

DateEventPrice
Sep 1, 2026
Source: MARIS #26044961
Pending
$330,000
Aug 6, 2026
Source: MARIS #26044961
PriceChange
$330,000
Price decreased by 6%
Jul 23, 2026
Source: MARIS #26044961
Listed For Sale
$350,000

LGBTQ Local Legal Protections

Tim W Koppel, Berkshire Hathaway HomeServices Select Properties
Agent Phone: (636) 293-3166
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Some IDX listings have been excluded from this website. Click here for more information

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Frequently asked questions about 405 Rail Ridge Dr

  • What is the estimated monthly payment for 405 Rail Ridge Dr?
    Based on a $330,000 list price with 20% down at today's rates, the estimated monthly payment for 405 Rail Ridge Dr in Troy, MO is approximately $2,082 (about $1,801 principal & interest, $206 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • What do residents say about Troy?
    Residents describe Troy, MO as well-kept, easy to park in, and dog-friendly. Most residents say you need a car. See homes for sale in Troy, MO.
  • What are the closest schools to 405 Rail Ridge Dr?
    The closest schools to 405 Rail Ridge Dr in Troy, MO are Claude Brown Elementary (Pre-K, rated 6/10), Troy Buchanan High School (rated 6/10), Troy South Middle School (rated 6/10).
  • What is 405 Rail Ridge Dr estimated to be worth?
    Trulia's estimated value for 405 Rail Ridge Dr in Troy, MO is $327,900.
  • Does 405 Rail Ridge Dr have air conditioning?
    Yes, 405 Rail Ridge Dr in Troy, MO has air conditioning.
  • Does 405 Rail Ridge Dr have laundry facilities?
    Yes, 405 Rail Ridge Dr in Troy, MO has laundry facilities.
405 Rail Ridge Dr, Troy, MO 63379 is a 4 bedroom, 3 bathroom, 1,640 sqft single-family home built in 2022. This property is currently available for sale and was listed by MARIS on Jul 21, 2026. The MLS # for this home is MLS# 26044961.