203 Cherry St, Elsberry, MO 63343 Property Records

Lincoln County property record for 203 Cherry St, Elsberry, MO 63343

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,196 sqft · built 1971
Lot Size	0.253 acres (11,021 sqft)
Owner	Individual Name on Record
Tax Bill	$886 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-50-16-003-002-024.000`

Property Details

APN / Parcel Number

Primary APN	`02-50-16-003-002-024.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,021 sqft (0.253 acres)

Location & Zoning

Street Address	203 CHERRY ST
City	ELSBERRY
State	MO
Zip	63343-1603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 137 HILLCREST HEIGHTS #4
Legal Range	02E
Legal Township	51N
Legal Section	17
Legal Subdivision	HILLCREST HEIGHTS
Legal Lot Number	137
Jurisdiction	LINCOLN MO
Township / Civil Division	HURRICANE
Census Block Group	2
Census Block	2036
Census Tract	810100

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	203 CHERRY ST, ELSBERRY, MO 63343-1603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST MID BANK & TRUST NA
May 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST MID BANK & TRUST NA
Nov 26, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST MID BANK & TRUST NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 16, 2007
Transfer Doc	01987/0550
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	203 CHERRY ST, ELSBERRY, MO 63343-1603
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 CHERRY ST, ELSBERRY, MO 63343-1603

Mortgage

Document Number	002472/388
Date	Nov 15, 2021
Book Page	2472/388
Instrument	2021014970

Lender

Name	FIRST MID BANK & TRUST NA
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2041

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	203 CHERRY ST, ELSBERRY, MO 63343-1603
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 CHERRY ST, ELSBERRY, MO 63343-1603

Mortgage

Document Number	0002479/91
Date	May 4, 2022
Book Page	2479/91
Instrument	2022004830

Lender

Name	FIRST MID BANK & TRUST NA
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Nov 26, 2025
Property Address	203 CHERRY ST, ELSBERRY, MO 63343-1603
Document Number	002516/161
Book / Page	2516 / 161
Map Reference	MB 8 PG 7
Instrument Date	Nov 20, 2025
Instrument	2025009727
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 CHERRY ST, ELSBERRY, MO 63343-1603

Mortgage

Document Number	2025009728
Date	Nov 26, 2025
Instrument	2025009728

Lender

Name	FIRST MID BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Municipality	Elsberry City
Unified School District	Elsberry R-II School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$16,163 (-) Land $1,353 Building $14,810
2025	$886.00 (-5.84%)	$16,163 (+8.8%) Land $1,353 Building $14,810	$85,070 (+8.8%) Land $7,120 Building $77,950
2023	$941.00 (+6.69%)	$14,856 Land $846 Building $14,011	$78,190 Land $4,450 Building $73,740
2022	$882.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	623 (1982–2026)
Claims Outside the SFHA	5 of 623
Most Recent Claim	Apr 2026 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2019 · 25 claims Severe Storms And Flooding, Aug 2008 · 68 claims Severe Storms & Flooding, Aug 1993 · 33 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ELSBERRY PWS serves 2,076 people · EPA ID MO6010250
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rise Broadband Fiber	1,000 / 200
Wisper ISP Fixed Wireless	400 / 30

May also be available: Verizon.

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