Lincoln County property record for 455 Pratt Rd, Elsberry, MO 63343
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,610 sqft · built 2006 |
| Lot Size | 3.08 acres (134,165 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,596 (2025) |
| Deeds & Mortgages | Dec 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-10-11-000-000-002.001 |
| Primary APN | 03-10-11-000-000-002.001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,610 sqft Living Area |
| Basement Area | 1,610 sqft |
| Unfinished Basement | 1,610 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 134,165 sqft (3.08 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Street Address | 455 PRATT RD |
|---|---|
| City | ELSBERRY |
| State | MO |
| Zip | 63343-3041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3.08 AC TRACT WITHIN LOT 1A US SURVEY 1743 |
| Legal Range | 01E |
| Legal Township | 51N |
| Legal Section | 17 |
| Legal Subdivision | COUNTY COURT 02 |
| Legal Lot Number | 1A |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | HURRICANE |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 810100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 455 PRATT RD, ELSBERRY, MO 63343-3041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2012 |
| Deed Sale | May 4, 2012 |
| Prior Sale | May 4, 2012 |
| Deed Document Number | 20124136 |
| Deed Book / Page | 2246 / 235 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 455 PRATT RD, ELSBERRY, MO 63343-3041 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002456/347 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 2456/347 |
| Instrument | 2020014430 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Nov 12, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lincoln County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Lincoln County |
| Unified School District | Elsberry R-II School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $45,860 (-) Land $3,591 Building $42,269 | ||
| 2025 | $2,596.00 (+5.49%) | $45,860 (+6.5%) Land $3,591 Building $42,269 | $241,370 (+6.5%) Land $18,900 Building $222,470 |
| 2023 | $2,461.00 (+7.28%) | $43,060 Land $3,325 Building $39,735 | $226,630 Land $17,500 Building $209,130 |
| 2022 | $2,294.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 75% of Missouri |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 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 |
4G LTE (outdoors only), no 5G reported
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