Lincoln County property record for 305 S 3rd St, Elsberry, MO 63343
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 952 sqft · built 1930 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $454 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Oct 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 02-80-28-001-018-003.000 |
| Primary APN | 02-80-28-001-018-003.000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 952 sqft Living Area |
| Basement Area | 952 sqft |
| Flooring | Combination, Other |
| Interior Walls | Plaster |
| Year Built | Built 1930 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Asbestos |
| Construction Type | Wood Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,750 sqft (0.132 acres) |
| Street Address | 305 S 3RD ST |
|---|---|
| City | ELSBERRY |
| State | MO |
| Zip | 63343-1509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 167 BLK 20 R.T. ELSBERRY'S SE ADDITION |
| Legal Range | 02E |
| Legal Township | 51 |
| Legal Section | 28 |
| Legal Subdivision | ELSBERRYS SE ADDN |
| Legal Block | 20 |
| Legal Lot Number | 167 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | HURRICANE |
| Census Block Group | 3 |
| Census Block | 3059 |
| Census Tract | 810100 |
Source: Lincoln County records · APN 02-80-28-001-018-003.000
Assessment roll updated June 1, 2025 · Last verified December 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 305 S 3RD ST, ELSBERRY, MO 63343-1509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Oct 24, 2017 | Warranty Deed, Transfer · Line of Credit BANK OF OLD MONROE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 24, 2017 |
| Deed Sale | Oct 24, 2017 |
| Deed Document Number | 2017009976 |
| Deed Book / Page | 2416 / 0493 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 305 S 3RD ST, ELSBERRY, MO 63343-1509 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Title Company | CLEAREDGE TITLE, CLEAREDGE TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 305 S 3RD ST, ELSBERRY, MO 63343-1509 |
| Document Number | 002518/472 |
|---|---|
| Date | Feb 17, 2026 |
| Book Page | 2518/472 |
| Instrument | 2026001369 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 04, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Oct 24, 2017 |
| Property Address | 305 S 3RD ST, ELSBERRY, MO 63343-1509 |
| Document Number | 2416/0493 |
| Book / Page | 2416 / 0493 |
| Instrument Date | Oct 20, 2017 |
| Instrument | 2017009976 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | L COUNTY TITLE, ALL COUNTY TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 S 3RD ST, ELSBERRY, MO 63343-1509 |
| Document Number | 2017009977 |
|---|---|
| Date | Oct 24, 2017 |
| Instrument | 2017009977 |
| Name | BANK OF OLD MONROE |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Lincoln County records · Assessment roll updated June 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Municipality | Elsberry City |
| Unified School District | Elsberry R-II School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $454.00 (+9.13%) | $7,408 (+9.76%) Land $692 Building $6,716 | $38,990 (+9.77%) Land $3,640 Building $35,350 |
| 2023 | $416.00 (+7.77%) | $6,749 Land $433 Building $6,316 | $35,520 Land $2,280 Building $33,240 |
| 2022 | $386.00 |
Source: FEMA National Flood Hazard Layer as of October 5, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 32 (1982–2025) |
| Claims Outside the SFHA | 4 of 32 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| JAB Wireless Fiber | 1,000 / 200 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 146 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELSBERRY PWS serves 2,076 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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