312 N 3rd St, Elsberry, MO 63343 Property Records

Lincoln County property record for 312 N 3rd St, Elsberry, MO 63343

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,382 sqft · built 1920
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Tax Bill	$600 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Apr 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-50-21-004-016-013.000`

Property Details

APN / Parcel Number

Primary APN	`02-50-21-004-016-013.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,382 sqft Living Area
Attic	Attic
Attic Area	358 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Flooring	Combination, Other
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,750 sqft (0.132 acres)

Location & Zoning

Street Address	312 N 3RD ST
City	ELSBERRY
State	MO
Zip	63343-1321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11, BLOCK 2, R.E. BLACKS NE ADDN CITY OF ELSBERRY, PLAT 1/71
Legal Range	02E
Legal Township	51N
Legal Section	17
Legal Subdivision	BLACKS NE ADDN
Legal Block	2
Legal Lot Number	11
Jurisdiction	LINCOLN MO
Township / Civil Division	HURRICANE
Census Block Group	3
Census Block	3012
Census Tract	810100

Owner

312 N 3rd St is owned and occupied by an individual who acquired it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	312 N 3RD ST, ELSBERRY, MO 63343-1321
Occupancy	Owner Occupied
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 1, 2023	Warranty Deed, Transfer · USDA Mortgage FLAT BRANCH HOME LOANS INC
Apr 29, 2019	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2020
Deed Sale	Jan 27, 2020
Prior Sale	Apr 29, 2019 · Amount on File
Deed Document Number	2020816
Deed Book / Page	2442 / 819
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Nov 1, 2023
Property Address	312 N 3RD ST, ELSBERRY, MO 63343-1321
Document Number	002495/154
Book / Page	2495 / 154
Map Reference	MB 1 PG 71
Instrument Date	Oct 31, 2023
Instrument	2023008398
Transaction Type	Transfer
Record Updated	Feb 20, 2024
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	312 NOTH 3RD STREET, ELSBERRY, MO 63343

Mortgage

Document Number	2023008399
Date	Nov 1, 2023
Instrument	2023008399

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

April 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	LINCOLN MO
Recording Date	Apr 29, 2019
Property Address	312 N 3RD ST, ELSBERRY, MO 63343-1321
Document Number	2433/0337
Book / Page	2433 / 0337
Map Reference	MB 1 PG 71
Instrument Date	Apr 26, 2019
Instrument	2019003183
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 154, ELSBERRY, MO 63343-0154

Tax Assessment & Valuation

The 2025 property tax bill for 312 N 3rd St was $600.

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		$9,785 (-9.29%) Land $692 Building $9,093
2025	$600.00	$10,787 Land $692 Building $10,095	$51,500 Land $3,640 Building $47,860
2023	$282.00 (+7.63%)	$4,577 Land $433 Building $4,144	$24,090 Land $2,280 Building $21,810
2022	$262.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 312 N 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Severe Storms, Tornadoes And Flooding, May 2002 · 2 claims Severe Storms & Flooding, Sep 1993 · 13 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 312 N 3rd St is low, with 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	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.

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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Rise Broadband Fiber	1,000 / 200
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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