Lincoln County property record for 401 S 2nd St, Elsberry, MO 63343
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,024 sqft · built 1920 |
| Lot Size | 0.264 acres (11,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $40,000 (Oct 2019) |
| Deeds & Mortgages | Oct 2019 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 02-80-28-001-022-001.000 |
| Primary APN | 02-80-28-001-022-001.000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,024 sqft Living Area |
| Flooring | Combination, Other |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,500 sqft (0.264 acres) |
| Street Address | 401 S 2ND ST |
|---|---|
| City | ELSBERRY |
| State | MO |
| Zip | 63343-1505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 94-95 BLK 8 R.T. ELSBERRY'S SE ADDITION |
| Legal Range | 02E |
| Legal Township | 51N |
| Legal Section | 17 |
| Legal Subdivision | R T ELSBERRYS SE ADDITION |
| Legal Block | 8 |
| Legal Lot Number | 94-95 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | HURRICANE |
| Census Block Group | 3 |
| Census Block | 3063 |
| Census Tract | 810100 |
401 S 2nd St is owned by two individuals who bought it in October 2019.
Source: Lincoln County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 229 WESTRIDGE DR, O FALLON, MO 63366-7405 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2019 · Amount on File |
| Deed Sale | Oct 3, 2019 · Amount on File |
| Prior Sale | Jan 10, 2011 · Amount on File |
| Deed Document Number | 20198818 |
| Deed Book / Page | 2438 / 929 |
| Prior Transfer Date | Jan 8, 2011 |
| Prior Transfer Doc | 2179/0458 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Oct 3, 2019 |
| Property Address | 401 S 2ND ST, ELSBERRY, MO 63343-1505 |
| Document Number | 2438/0929 |
| Book / Page | 2438 / 0929 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 2019008818 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 402 S 2ND ST, ELSBERRY, MO 63343-1506 |
| Document Number | 2019008819 |
|---|---|
| Date | Oct 3, 2019 |
| Instrument | 2019008819 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2034 |
Source: Lincoln County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Municipality | Elsberry City |
| Unified School District | Elsberry R-II School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $8,362 (-) Land $1,210 Building $7,152 | |
| 2025 | $8,362 Land $1,210 Building $7,152 | $44,010 Land $6,370 Building $37,640 |
| 2023 | $39,350 Land $3,640 Building $35,710 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 401 S 2nd St in Zone AE, a high-risk flood area; 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 | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 401 S 2nd 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.
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 |
| 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.
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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