394 N River Rd, Elsberry, MO 63343 Property Records

Lincoln County property record for 394 N River Rd, Elsberry, MO 63343

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft · built 1960
Lot Size	0.313 acres (13,634 sqft)
Owner	Company Name on Record
Tax Bill	$402 (2025)
Deeds & Mortgages	Jul 2005 Mortgage Feb 2008 Mortgage + 6 more
Flood Zone	Zone AE (high risk)
APN	`02-10-12-002-001-035.000`

Property Details

APN / Parcel Number

Primary APN	`02-10-12-002-001-035.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	896 sqft Living Area
Flooring	Combination, Other

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Rustic
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,634 sqft (0.313 acres)

Location & Zoning

Street Address	394 N RIVER RD
City	ELSBERRY
State	MO
Zip	63343-3321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 44 SCHRECKENGAST SUBD #4
Legal Range	02E
Legal Township	51N
Legal Section	12
Legal Subdivision	SCHRECKENGAST
Legal Lot Number	44
Jurisdiction	LINCOLN MO
Township / Civil Division	HURRICANE
Census Block Group	2
Census Block	2003
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	Company Name on Record
Mailing Address	1318 BARKMAN DR, SAINT LOUIS, MO 63146-5419
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2005	Deed of Trust, Mortgage · Conventional Mortgage BANK OF LINCOLN COUNTY
Feb 13, 2008	Deed of Trust, Mortgage PROVIDENCE BANK
Dec 29, 2006	Deed of Trust, Mortgage · Conventional Mortgage BANK OF LINCOLN COUNTY
Oct 2, 2009	Deed of Trust, Mortgage PROVIDENCE BANK
Feb 25, 2026	Intrafamily Transfer, Transfer
Mar 26, 2019	Warranty Deed, Transfer
Mar 16, 2017	Beneficiary Deed, Transfer
May 23, 2005	Correction Deed · ARM BANK OF LINCOLN COUNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2019
Deed Sale	Mar 26, 2019
Prior Sale	Mar 16, 2017
Deed Document Number	20192212
Deed Book / Page	2432 / 379
Prior Transfer Date	Mar 14, 2017
Prior Transfer Doc	02408/0767
Record Updated	Oct 29, 2026

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	394 N RIVER RD, ELSBERRY, MO 63343-3321
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01771/0920
Date	Jul 18, 2005
Book Page	1771/0920
Instrument	20050009186

Lender

Name	BANK OF LINCOLN COUNTY
Address	ELSBERRY, MO 63343

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 18, 2020

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	394 N RIVER RD, ELSBERRY, MO 63343-3321
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02002/0691
Date	Feb 13, 2008
Book Page	2002/0691
Instrument	20080001441

Lender

Name	PROVIDENCE BANK
Address	ELSBERRY, MO 63343

Agreement

Amount	Amount Recorded
Term	35 Months
Due	Jan 24, 2011

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	394 N RIVER RD, ELSBERRY, MO 63343-3321
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01912/0306
Date	Dec 29, 2006
Book Page	1912/0306
Instrument	20060016282

Lender

Name	BANK OF LINCOLN COUNTY
Address	ELSBERRY, MO 63343

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Dec 15, 2008

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	394 N RIVER RD, ELSBERRY, MO 63343-3321
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02109/0058
Date	Oct 2, 2009
Book Page	2109/0058
Instrument	20090010145

Lender

Name	PROVIDENCE BANK
Address	ELSBERRY, MO 63343

Agreement

Amount	Amount Recorded
Term	239 Months
Due	Sep 18, 2029

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Feb 25, 2026
Property Address	394 N RIVER RD, ELSBERRY, MO 63343-3321
Document Number	002518/713
Book / Page	2518 / 713
Map Reference	MB 5 PG 25
Instrument Date	Feb 19, 2026
Instrument	2026001615
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 197, ELSBERRY, MO 63343-0197

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1318 BARKMAN DR, SAINT LOUIS, MO 63146-5419

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Mar 26, 2019
Property Address	394 N RIVER RD, ELSBERRY, MO 63343-3321
Document Number	02432/0379
Book / Page	2432 / 0379
Map Reference	MB 5 PG 25
Instrument Date	Mar 8, 2019
Instrument	2019002212
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 197, ELSBERRY, MO 63343-0197

March 2017: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LINCOLN MO
Recording Date	Mar 16, 2017
Property Address	394 N RIVER RD, ELSBERRY, MO 63343-3321
Document Number	02408/0767
Book / Page	2408 / 0767
Map Reference	MB5 PG25
Instrument Date	Mar 14, 2017
Instrument	2017002192
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	394 N RIVER RD, ELSBERRY, MO 63343-3321

May 2005: Correction Deed

Document Type	Correction Deed
Jurisdiction	LINCOLN MO
Recording Date	May 23, 2005
Property Address	394 N RIVER RD, ELSBERRY, MO 63343-3321
Document Number	01755/0321
Book / Page	1755 / 0321
Map Reference	MB5 PG25
Instrument Date	May 20, 2005
Instrument	20050006290
Record Updated	Mar 31, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	104 HORSE SHOE LN, ELSBERRY, MO 63343-3121

Mortgage

Document Number	20050006291
Date	May 23, 2005
Instrument	20050006291

Lender

Name	BANK OF LINCOLN COUNTY

Agreement

Type	ARM
Amount	Amount Recorded
Term	240 Months
Due	May 20, 2025

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	May 20, 2008
Change Frequency	3 Years
Min Rate At Change	6.5%
Index	Prime Rate
Margin	2
Max Rate	11.5%

Tax Assessment & Valuation

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		$7,324 (-) Land $222 Building $7,102
2025	$402.00 (+5.24%)	$7,324 (+6.22%) Land $222 Building $7,102	$38,550 (+6.23%) Land $1,170 Building $37,380
2023	$382.00 (+6.41%)	$6,895 (+5.62%) Land $222 Building $6,673	$36,290 (+5.62%) Land $1,170 Building $35,120
2022	$359.00	$6,528 Land $222 Building $6,306
2021			$34,360 Land $1,170 Building $33,190

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 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 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 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 23 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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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