Cape Girardeau County property record for 106 Spencer St, Delta, MO 63744
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,748 sqft · built 1960 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Company Name on File |
| Last Sale | $203,490 (Oct 2023) |
| Tax Bill | $966 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 232130007005000000 |
| Primary APN | 232130007005000000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,748 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 142 ft deep x 61.1 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 106 SPENCER ST |
|---|---|
| City | DELTA |
| State | MO |
| Zip | 63744-1002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BLK 10 GOODWIN ADD DELTA & PT VACATED BELLE AVENUE |
| Legal Range | 12E |
| Legal Township | 29S |
| Legal Section | 09 |
| Legal Subdivision | BELLE AVENUE |
| Legal Block | 10 |
| Legal Lot Number | 3 |
| Jurisdiction | CAPE GIRARDEAU MO |
| Township / Civil Division | WELCH |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 880300 |
106 Spencer St is owned by a company that bought it in October 2023.
Source: Cape Girardeau County records, as of September 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 126, DELTA, MO 63744-0126 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2023 · Amount on File |
| Deed Sale | Oct 6, 2023 · Amount on File |
| Deed Document Number | 20238267 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE GIRARDEAU MO |
| Property Address | 106 SPENCER ST, DELTA, MO 63744-1002 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0202308268 |
|---|---|
| Date | Oct 6, 2023 |
| Instrument | 2023-08268 |
| Name | ALLIANCE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 106 Spencer St was $966.
Source: Cape Girardeau County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Cape Girardeau County |
| Municipality | Delta City |
| Unified School District | Delta R-V School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $16,020 (-) Land $650 Building $15,370 | $84,305 (-) Land $3,418 Building $80,887 | |
| 2025 | $966.00 | $16,020 Land $650 Building $15,370 | $84,305 Land $3,418 Building $80,887 |
| 2023 | $909.00 | $15,260 Land $620 Building $14,640 | $80,290 Land $3,255 Building $77,035 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 106 Spencer St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|
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 106 Spencer St is low, with 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 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.
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 |
| 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.
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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