104 Spencer St, Delta, MO 63744 Property Records

Cape Girardeau County property record for 104 Spencer St, Delta, MO 63744

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,336 sqft · built 1998
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$56,300 (Feb 2015)
Tax Bill	$550 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`232130007004000000`

Property Details

APN / Parcel Number

Primary APN	`232130007004000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,336 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Mobile Home
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	142 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 SPENCER ST
City	DELTA
State	MO
Zip	63744-1002
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 4 BLK 10 GOODWIN ADD. DELTA 03/026
Legal Range	12E
Legal Township	29S
Legal Section	09
Legal Subdivision	GOODWIN ADD
Legal Block	10
Legal Lot Number	4
Jurisdiction	CAPE GIRARDEAU MO
Township / Civil Division	WELCH
Census Block Group	3
Census Block	3019
Census Tract	880300

Owner

Source: Cape Girardeau County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	104 SPENCER ST, DELTA, MO 63744-1002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2019	Warranty Deed, Transfer BANK OF ADVANCE
Aug 1, 2019	Warranty Deed, Transfer · Line of Credit SOUTHERN BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2015 · Amount on Record
Deed Sale	Feb 23, 2015 · Amount on Record
Prior Sale	May 20, 2013 · Amount on Record
Deed Document Number	20151680
Last Transfer Date	Mar 3, 2016
Transfer Doc	0000000006
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAPE GIRARDEAU MO
Recording Date	Dec 23, 2019
Property Address	104 SPENCER ST, DELTA, MO 63744-1002
Document Number	0000012853
Instrument Date	Dec 18, 2019
Instrument	12853
Transaction Type	Transfer
Record Updated	Jan 16, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SPENCER DELTA MO 63744, DELTA, MO 63744

Mortgage

Document Number	12854
Date	Dec 23, 2019
Instrument	12854

Lender

Name	BANK OF ADVANCE
Type	Bank
Address	CHAFFEE, MO 63740
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAPE GIRARDEAU MO
Recording Date	Aug 1, 2019
Property Address	104 SPENCER ST, DELTA, MO 63744-1002
Document Number	0000007205
Instrument Date	Jul 22, 2019
Instrument	7205
Transaction Type	Transfer
Record Updated	Aug 23, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	62 COUNTY HIGHWAY 507 BENTON MO 637369155, BENTON, MO 63736-9155

Mortgage

Document Number	7206
Date	Aug 1, 2019
Instrument	7206

Lender

Name	SOUTHERN BK
Type	Bank
Address	CHAFFEE, MO 63740

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 31, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cape Girardeau County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Cape Girardeau County
Municipality	Delta City
Unified School District	Delta R-V School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$9,130 (-) Land $660 Building $8,470	$48,066 (-) Land $3,472 Building $44,594
2025	$550.00 (+1.1%)	$9,130 (-) Land $660 Building $8,470	$48,066 (-) Land $3,472 Building $44,594
2023	$544.00 (+8.58%)	$9,130 (+8.43%) Land $660 Building $8,470	$48,066 (+8.5%) Land $3,472 Building $44,594
2022	$501.00	$8,420 Land $610 Building $7,810
2021			$44,300 Land $3,200 Building $41,100

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

Source: FEMA National Flood Hazard Layer, effective January 19, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1986–2002)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2002 · Severe Storms, Tornadoes And Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 2 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

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DELTA PWS serves 480 people · EPA ID MO4010211
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: GoSEMO.

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