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Single Family ResidenceResidential
$96,253$111 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $112,000 on Sep 21, 2022

194 S RIVER RD

ELSBERRY, MO 63343
2
Beds
1
Baths
864 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$96K
$85K low$108K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$112,000 · Sep 21, 2022
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.133%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$109,971
GENEVA FINANCIAL LLC · recorded Sep 21, 2022
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$22,436
DEPARTMENT OF HOUSING & URBAN DEV

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$274 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$4,974 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$218
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$4,756
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$4,974
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$26,180

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Cabin
CountyLincoln
Lot (acres)The size of the land the home sits on, from county records.0.24
ConstructionThe main material the home's frame and walls are built from.Wood Frame
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Elsberry High SchoolA
High · Grades 9–12 · 3.7 mi
E
Clarence Cannon Elementary SchoolC
Elementary · Grades PK–4 · 3.7 mi
M
Ida Cannon Middle SchoolB-
Middle · Grades 5–8 · 3.7 mi

District: Elsberry R-Ii School District

Neighborhood · ZIP 63343These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.146
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.70

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.5,498
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.48 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,527
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,505
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

194 S River Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 97% of homes in Lincoln County
  • Costs less per square foot than 97% of homes in Lincoln County
  • Smaller than 95% of homes in Lincoln County
  • Has a smaller lot than 81% of homes in Lincoln County
  • Older than 87% of homes in Lincoln County

What homes are worth in Elsberry 63343

Each bar is how many homes fall in that price range. The marker is this home.

This home
$58K$733K

This home is worth more than 21% of homes in Elsberry 63343.

How it measures up in Elsberry 63343

The dot is this home. The mark in the middle is the typical home in Elsberry 63343.

Estimated value$96,253
CheaperTypical $188,840Pricier

Pricier than 21% of homes nearby

Price per ft²$111
CheaperTypical $158Pricier

Pricier than 22% of homes nearby

Living area864 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 15% of homes nearby

Lot size0.24 ac
SmallerTypical 0.57 acBigger

Bigger than 24% of homes nearby

Year built1960
OlderTypical 1974Newer

Newer than 33% of homes nearby

How 194 S River Rd ranks against every home in each area.
MeasureThis homeElsberry 63343Lincoln County
Estimated valuepricier than$96,25321% of homes3% of homes
Price per ft²pricier than$11122% of homes3% of homes
Living areabigger than864 ft²15% of homes5% of homes
Lot sizebigger than0.24 ac24% of homes19% of homes
Year builtnewer than196033% of homes13% of homes

About 194 S River Rd

How much is 194 S River Rd, Elsberry, MO worth?

The TopHap Estimate for 194 S River Rd, Elsberry, MO is $96,253 as of Jul 14, 2026. The likely range is $84,522 to $107,984. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 194 S River Rd, Elsberry, MO last sell?

194 S River Rd, Elsberry, MO last sold on Sep 21, 2022 for $112,000, according to the county's recorded deed.

How big is 194 S River Rd, Elsberry, MO?

194 S River Rd, Elsberry, MO has 2 bedrooms, 1 bathrooms, 864 square feet of living space and a 0.24-acre lot.

When was 194 S River Rd, Elsberry, MO built?

194 S River Rd, Elsberry, MO was built in 1960, making it 66 years old. It is a cabin home. The building has 1 story.

What schools serve 194 S River Rd, Elsberry, MO?

194 S River Rd, Elsberry, MO is assigned to Elsberry High School (high), rated A; Clarence Cannon Elementary School (elementary), rated C; Ida Cannon Middle School (middle), rated B-. All sit in Elsberry R-Ii School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 194 S River Rd, Elsberry, MO compare to other homes in Elsberry 63343?

Among the 2,467 homes in Elsberry 63343, it is worth more than 21% of them ($96,253 against a typical $188,840), its price per square foot is higher than 22% of them ($111 against a typical $158), it is bigger than 15% of them (864 ft² against a typical 1,344 ft²), its lot is bigger than 24% of them (0.24 ac against a typical 0.57 ac) and it is newer than 33% of them (1960 against a typical 1974). Measured against all of Lincoln County, it is worth more than 3% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 194 S River Rd, Elsberry, MO?

The 2025 property tax bill for 194 S River Rd, Elsberry, MO was $274. The county assessed it at $4,974.

Closest homes

More homes in Elsberry 63343

Assigned schools

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