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

Lincoln County property record for 412 N 3rd St, Elsberry, MO 63343

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1924
Lot Size	0.098 acres (4,269 sqft)
Owner	Company Name on File
Tax Bill	$262 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-50-21-004-008-005.003`

Property Details

APN / Parcel Number

Primary APN	`02-50-21-004-008-005.003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,269 sqft (0.098 acres)

Location & Zoning

Street Address	412 N 3RD ST
City	ELSBERRY
State	MO
Zip	63343-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4272 SQ FT TRACT WITHIN BLK 1 RE BLACKS 2ND ADDN TOWN OF ELSBERRY
Legal Range	02E
Legal Township	51N
Legal Section	17
Legal Subdivision	TOWN OF ELSBERRY
Legal Block	1
Jurisdiction	LINCOLN MO
Township / Civil Division	HURRICANE
Census Block Group	3
Census Block	3010
Census Tract	810100

Owner

412 N 3rd St is owned by a company that acquired it in September 2017.

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

Owner of Record	Company Name on File
Mailing Address	927 PAGE BRANCH RD, ELSBERRY, MO 63343-3411
Owner Type	Company
Vesting	Company

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
Jan 23, 2018	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO
Sep 18, 2017	Special Warranty Deed, Transfer L COUNTY TITLE, ALL COUNTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2017
Deed Sale	Sep 18, 2017
Prior Sale	Sep 3, 2015
Deed Document Number	20178841
Deed Book / Page	2415 / 361
Prior Transfer Date	Jun 29, 2007
Prior Transfer Doc	1963/0067
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	412 N 3RD ST, ELSBERRY, MO 63343-1311
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2419/0239
Date	Jan 23, 2018
Book Page	2419/0239
Instrument	2018000583

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jan 22, 2023

September 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Sep 18, 2017
Property Address	412 N 3RD ST, ELSBERRY, MO 63343-1311
Document Number	2415/0361
Book / Page	2415 / 0361
Instrument Date	Sep 10, 2017
Instrument	2017008841
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	927 PAGE BRANCH RD, ELSBERRY, MO 63343-3411
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 412 N 3rd St was $262.

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		$4,277 (-) Land $515 Building $3,762
2025	$262.00	$4,277 Land $515 Building $3,762	$22,510 Land $2,710 Building $19,800
2023	$242.00 (+7.56%)	$3,931 Land $321 Building $3,610	$20,690 Land $1,690 Building $19,000
2022	$225.00

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

Flood

FEMA maps place 412 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 412 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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