Lincoln County property record for 46 S River Rd, Elsberry, MO 63343
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 624 sqft · built 1963 |
| Lot Size | 0.231 acres (10,062 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $194 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Jul 2025 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 02-60-14-004-001-004.000 |
| Primary APN | 02-60-14-004-001-004.000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 624 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Other |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,062 sqft (0.231 acres) |
| Street Address | 46 S RIVER RD |
|---|---|
| City | ELSBERRY |
| State | MO |
| Zip | 63343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 95 KICKAPOO KOTTAGES SUBD. #1 PVT PLAT 6/1 |
| Legal Range | 02E |
| Legal Township | 51N |
| Legal Section | 14 |
| Legal Subdivision | KICKAPOO KOTTAGES |
| Legal Lot Number | 95 |
| Jurisdiction | LINCOLN MO |
| Township / Civil Division | HURRICANE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 810100 |
46 S River Rd, a single family home, is owned by an individual.
Source: Lincoln County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 N MAIN ST, ELSBERRY, MO 63343-1333 |
| 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.
| Date | Document |
|---|---|
| Jun 26, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BUSEY BANK |
| Jul 3, 2025 | Intrafamily Transfer, Transfer |
| Sep 30, 2024 | Warranty Deed, Transfer MEYER TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MO |
| Property Address | 46 S RIVER RD, ELSBERRY, MO 63343 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|---|
| Address | 8960 TUDOR AVE, SAINT LOUIS, MO 63114-4747 |
| Document Number | 002491/558 |
|---|---|
| Date | Jun 26, 2023 |
| Book Page | 2491/558 |
| Instrument | 2023004756 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 9, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.74% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 9, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 7.74% |
| Index | 12-Month MTA |
| Max Rate | 10.7% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Jul 3, 2025 |
| Property Address | 46 S RIVER RD, ELSBERRY, MO 63343 |
| Document Number | 002511/672 |
| Book / Page | 2511 / 672 |
| Map Reference | MB 6 PG 1 |
| Instrument Date | Jul 3, 2025 |
| Instrument | 2025005182 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 N MAIN ST, ELSBERRY, MO 63343-1333 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MO |
| Recording Date | Sep 30, 2024 |
| Property Address | 46 S RIVER RD, ELSBERRY, MO 63343 |
| Document Number | 0002504/36 |
| Book / Page | 2504 / 36 |
| Map Reference | MB 6 PG 1 |
| Instrument Date | Sep 27, 2024 |
| Instrument | 2024007435 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Title Company | MEYER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 46 S RIVER RD, ELSBERRY, MO 63343 |
The 2025 property tax bill for 46 S River Rd was $194.
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 | $3,532 (-) Land $207 Building $3,325 | ||
| 2025 | $194.00 | $3,532 Land $207 Building $3,325 | $18,590 Land $1,090 Building $17,500 |
| 2023 | $190.00 (+6.15%) | $3,439 Land $207 Building $3,232 | $18,100 Land $1,090 Building $17,010 |
| 2022 | $179.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 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 |
|
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 46 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.
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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