44 S River Rd, Elsberry, MO 63343 Property Records

Lincoln County property record for 44 S River Rd, Elsberry, MO 63343

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 576 sqft · built 1965
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on File
Tax Bill	$238 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jun 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`02-60-14-004-001-005.000`

Property Details

APN / Parcel Number

Primary APN	`02-60-14-004-001-005.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	576 sqft Living Area
Flooring	Combination, Other
Interior Walls	Paneling

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,365 sqft (0.215 acres)

Location & Zoning

Street Address	44 S RIVER RD
City	ELSBERRY
State	MO
Zip	63343-3311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 97 KICKAPOO KOTTAGES SUBD. #1 PVT PLAT 6/1
Legal Range	02E
Legal Township	51N
Legal Section	14
Legal Subdivision	KICKAPOO KOTTAGES
Legal Lot Number	97
Jurisdiction	LINCOLN MO
Township / Civil Division	HURRICANE
Census Block Group	2
Census Block	2003
Census Tract	810100

Owner

44 S River Rd is owned by two individuals who acquired it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 138, ELSBERRY, MO 63343-0138
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 22, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 15, 2021	Warranty Deed, Transfer MEYER TITLE COMPANY, MEYER T ITLE CO
Nov 6, 2020	Deed of Distribution, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2021
Deed Sale	Jun 15, 2021
Prior Sale	Nov 6, 2020
Deed Document Number	20218177
Deed Book / Page	2465 / 635
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	44 S RIVER RD, ELSBERRY, MO 63343-3311
Transaction Type	Mortgage
Record Updated	Jan 30, 2023
Title Company	MEYER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 S RIVER RD, ELSBERRY, MO 63343-3311

Mortgage

Document Number	002485/818
Date	Nov 22, 2022
Book Page	2485/818
Instrument	2022011600

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jun 15, 2021
Property Address	44 S RIVER RD, ELSBERRY, MO 63343-3311
Document Number	2465/635
Book / Page	2465 / 635
Map Reference	MB 6 PG 1
Instrument Date	Jun 10, 2021
Instrument	2021008177
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	MEYER TITLE COMPANY, MEYER T ITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 BRIAR MEADOW CT, MOSCOW MILLS, MO 63362-2438

November 2020: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	LINCOLN MO
Recording Date	Nov 6, 2020
Property Address	44 S RIVER RD, ELSBERRY, MO 63343-3311
Document Number	2454/944
Book / Page	2454 / 944
Map Reference	MB 6 PG 1
Instrument Date	Oct 14, 2020
Instrument	2020013024
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	16727 DEVERONNE CIR, CHESTERFIELD, MO 63005-1618

Tax Assessment & Valuation

The 2025 property tax bill for 44 S River Rd was $238.

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		$4,328 (-) Land $201 Building $4,127
2025	$238.00	$4,328 Land $201 Building $4,127	$22,780 Land $1,060 Building $21,720
2023	$234.00 (+4.93%)	$4,224 Land $201 Building $4,022	$22,230 Land $1,060 Building $21,170
2022	$223.00

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

Flood

FEMA maps place 44 S River Rd in Zone AE, a high-risk flood area within the regulatory floodway; 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	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 44 S River Rd is low, with less than 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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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