810 N 4th St, Elsberry, MO 63343 Property Records

Lincoln County property record for 810 N 4th St, Elsberry, MO 63343

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1919
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on File
Last Sale	$43,000 (Jan 2013)
Tax Bill	$805 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-50-21-001-004-016.000`

Property Details

APN / Parcel Number

Primary APN	`02-50-21-001-004-016.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Flooring	Combination, Other
Interior Walls	Plaster

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	33,106 sqft (0.76 acres)
Garage Area	400 sqft

Location & Zoning

Street Address	810 N 4TH ST
City	ELSBERRY
State	MO
Zip	63343-1006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.76 AC - LOTS 4-5, N 10' LOT 6 & THE N 110' OF THE S 160' OF LOTS 14-15 CANNON HEIGHTS ADDITION
Legal Range	02E
Legal Township	51N
Legal Section	17
Legal Subdivision	CANNON HEIGHTS ADDITION
Legal Lot Number	4-15
Jurisdiction	LINCOLN MO
Township / Civil Division	HURRICANE
Census Block Group	2
Census Block	2045
Census Tract	810100

Owner

810 N 4th St is owned and occupied by an individual who bought it in January 2013.

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

Owner of Record	Individual Name on File
Mailing Address	810 N 4TH ST, ELSBERRY, MO 63343-1006
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
Feb 26, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 20, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 7, 2022	Deed of Trust, Mortgage · Line of Credit SILEX BANKING CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2013 · Amount on File
Deed Sale	Jan 25, 2013 · Amount on File
Deed Document Number	2013748
Deed Book / Page	2290 / 352
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	810 N 4TH ST, ELSBERRY, MO 63343-1006
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 N 4TH ST, ELSBERRY, MO 63343-1006

Mortgage

Document Number	002518/792
Date	Feb 26, 2026
Book Page	2518/792
Instrument	2026001694

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	May 20, 2022
Property Address	810 N 4TH ST, ELSBERRY, MO 63343-1006
Document Number	002479/735
Book / Page	2479 / 735
Instrument Date	May 20, 2022
Instrument	2022005475
Transaction Type	Transfer
Record Updated	Jul 27, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	975 MENNEMEYER RD, TROY, MO 63379-3811

Mortgage

Document Number	2022005477
Date	May 20, 2022
Instrument	2022005477

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	810 N 4TH ST, ELSBERRY, MO 63343-1006
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 N 4TH ST, ELSBERRY, MO 63343-1006

Mortgage

Document Number	002474/512
Date	Jan 7, 2022
Book Page	2474/512
Instrument	2022000225

Lender

Name	SILEX BANKING CO
Type	Bank
Address	SILEX, MO 63377

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Nov 30, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 810 N 4th St was $805.

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		$13,110 (-) Land $1,894 Building $11,216
2025	$805.00	$13,110 Land $1,894 Building $11,216	$69,000 Land $9,970 Building $59,030
2023	$713.00 (+7.38%)	$11,562 Land $1,184 Building $10,378	$60,850 Land $6,230 Building $54,620
2022	$664.00

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 810 N 4th St in Zone X, an area of minimal flood risk, though there have been 623 flood claims nearby since 1982.

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 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 810 N 4th St is low, with a 0.02% 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	0.02% 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.

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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rise Broadband Fiber	1,000 / 200
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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