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

Lincoln County property record for 402 N 3rd St, Elsberry, MO 63343

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 780 sqft · built 1920
Lot Size	0.099 acres (4,312 sqft)
Owner	Individual Name on File
Last Sale	$35,200 (Feb 2020)
Tax Bill	$407 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-50-21-004-008-004.000`

Property Details

APN / Parcel Number

Primary APN	`02-50-21-004-008-004.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	780 sqft Living Area
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,312 sqft (0.099 acres)
Lot Dimensions	115 ft deep x 37.5 ft wide

Location & Zoning

Street Address	402 N 3RD ST
City	ELSBERRY
State	MO
Zip	63343-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 4, BLOCK 1 RE BLACKS 2ND NE ADDN - 37.50 X 115
Legal Range	02E
Legal Township	51N
Legal Section	17
Legal Subdivision	BLACKS 2ND NE ADDN
Legal Block	1
Legal Lot Number	4
Jurisdiction	LINCOLN MO
Township / Civil Division	HURRICANE
Census Block Group	3
Census Block	3010
Census Tract	810100

Owner

402 N 3rd St is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	402 N 3RD ST, ELSBERRY, MO 63343-1311
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
Aug 2, 2023	Warranty Deed, Transfer · USDA Mortgage DAS ACQUISITION
Feb 14, 2020	Warranty Deed, Transfer · Line of Credit PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2020 · Amount on File
Deed Sale	Feb 14, 2020 · Amount on File
Deed Document Number	20201499
Deed Book / Page	2443 / 500
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Aug 2, 2023
Property Address	402 N 3RD ST, ELSBERRY, MO 63343-1311
Document Number	002492/507
Book / Page	2492 / 507
Instrument Date	Jul 31, 2023
Instrument	2023005731
Transaction Type	Transfer
Record Updated	Oct 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 N 3RD ST, ELSBERRY, MO 63343-1311

Mortgage

Document Number	2023005732
Date	Aug 2, 2023
Instrument	2023005732

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Feb 14, 2020
Property Address	402 N 3RD ST, ELSBERRY, MO 63343-1311
Document Number	2443/500
Book / Page	2443 / 500
Instrument Date	Feb 12, 2020
Instrument	2020001499
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	L COUNTY TITLE, ALL COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6320 CREECH LN, TROY, MO 63379-4806

Mortgage

Document Number	2020001500
Date	Feb 14, 2020
Instrument	2020001500

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 12, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 402 N 3rd St was $407.

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		$6,633 (-) Land $519 Building $6,114
2025	$407.00	$6,633 Land $519 Building $6,114	$34,910 Land $2,730 Building $32,180
2023	$376.00 (+8.05%)	$6,099 Land $325 Building $5,774	$32,100 Land $1,710 Building $30,390
2022	$348.00

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.

Flood

FEMA maps place 402 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 402 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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