204 Cherry St, Elsberry, MO 63343 Property Records

Lincoln County property record for 204 Cherry St, Elsberry, MO 63343

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,604 sqft · built 1986
Lot Size	0.757 acres (33,018 sqft)
Owner	Individual Name on File
Tax Bill	$2,509 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-50-16-003-003-002.000`

Property Details

APN / Parcel Number

Primary APN	`02-50-16-003-003-002.000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,604 sqft Living Area
Basement Area	1,082 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,018 sqft (0.757 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	204 CHERRY ST
City	ELSBERRY
State	MO
Zip	63343-1603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 132-134 2ND ADDN HILLCREST HEIGHTS #3
Legal Range	02E
Legal Township	51
Legal Section	16
Legal Subdivision	HILLCREST HEIGHTS
Legal Lot Number	132-134 133
Jurisdiction	LINCOLN MO
Township / Civil Division	HURRICANE
Census Block Group	2
Census Block	2038
Census Tract	810100

Owner

Source: Lincoln County assessment roll, as of June 1, 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 File
Mailing Address	204 CHERRY ST, ELSBERRY, MO 63343-1603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO
Nov 15, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 15, 2019
Deed Sale	Nov 15, 2019
Deed Document Number	2019010390
Deed Book / Page	2440 / 0488
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	204 CHERRY ST, ELSBERRY, MO 63343-1603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2457/195
Date	Dec 23, 2020
Book Page	2457/195
Instrument	2020015301

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 15, 2019
Property Address	204 CHERRY ST, ELSBERRY, MO 63343-1603
Document Number	2440/0488
Book / Page	2440 / 0488
Map Reference	MB 8 PG 5
Instrument Date	Nov 14, 2019
Instrument	2019010390
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	MEYER TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 CHERRY ST, ELSBERRY, MO 63343-1603

Mortgage

Document Number	2019010391
Date	Nov 15, 2019
Instrument	2019010391

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of June 1, 2025

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
2025	$2,509.00 (+8.9%)	$39,839 (+9.52%) Land $4,058 Building $35,781	$209,680 (+9.52%) Land $21,360 Building $188,320
2023	$2,304.00 (+6.67%)	$36,377 Land $2,537 Building $33,841	$191,460 Land $13,350 Building $178,110
2022	$2,160.00

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

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)
JAB Wireless Fiber	1,000 / 200
Wisper ISP Fixed Wireless	400 / 30

May also be available: Verizon.

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