224 S River Rd, Elsberry, MO 63343 Property Records

Lincoln County property record for 224 S River Rd, Elsberry, MO 63343

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft · built 1959
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$78,600 (Nov 2020)
Tax Bill	$249 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`02-60-13-002-001-008.000`

Property Details

APN / Parcel Number

Primary APN	`02-60-13-002-001-008.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Flooring	Wood
Interior Walls	Paneling

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)

Location & Zoning

Street Address	224 S RIVER RD
City	ELSBERRY
State	MO
Zip	63343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 KICKAPOO KOTTAGES DEVELOPMENT
Legal Range	02E
Legal Township	51N
Legal Section	13
Legal Subdivision	KICKAPOO KOTTAGES
Legal Lot Number	13
Jurisdiction	LINCOLN MO
Township / Civil Division	HURRICANE
Census Block Group	2
Census Block	2003
Census Tract	810100

Owner

224 S River Rd is owned by two individuals who bought it in November 2020.

Source: Lincoln County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11091 WILWOOD DR, MARYLAND HEIGHTS, MO 63043-1949
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT BANK
Nov 4, 2020	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Prior Sale	Apr 12, 2016
Deed Document Number	202012897
Deed Book / Page	2454 / 817
Prior Transfer Date	Sep 9, 2015
Prior Transfer Doc	2391/0769
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	224 S RIVER RD, ELSBERRY, MO 63343
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002454/818
Date	Nov 4, 2020
Book Page	2454/818
Instrument	2020012898

Lender

Name	PARAMOUNT BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 4, 2020
Property Address	224 S RIVER RD, ELSBERRY, MO 63343
Document Number	2454/817
Book / Page	2454 / 817
Map Reference	MB 6 PG 1
Instrument Date	Oct 28, 2020
Instrument	2020012897
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	INVESTORS TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	256 EASTBROOK DR, 256, TROY, MO 63379-2315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11091 WILWOOD DR, MARYLAND HEIGHTS, MO 63043-1949

Mortgage

Document Number	2454/818
Date	Nov 4, 2020
Book Page	2454/818
Instrument	2020012898

Lender

Name	PARAMOUNT BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 224 S River Rd was $249.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$4,526 (-) Land $238 Building $4,288
2025	$249.00	$4,526 Land $238 Building $4,288	$23,820 Land $1,250 Building $22,570
2023	$241.00 (+6.17%)	$4,357 (+5.37%) Land $238 Building $4,119	$22,930 Land $1,250 Building $21,680
2022	$227.00	$4,135 Land $238 Building $3,897
2021			$21,760 Land $1,250 Building $20,510

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 224 S River Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 5, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 224 S River Rd is low, with less than 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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wisper ISP Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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