Christian County property record for 108 Water Ln, Spokane, MO 65754
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,846 sqft · built 2007 |
| Lot Size | 0.26 acres (11,360 sqft) |
| Owner | 2 Individual Names on Record |
| Deeds & Mortgages | Dec 2022 Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-0.6-13-2-4-3.019 |
| Primary APN | 20-0.6-13-2-4-3.019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,846 sqft Adjusted Area |
| 1st Floor Area | 1,536 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Retaining Wall |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 11,360 sqft (0.26 acres) |
| Lot Dimensions | 142 ft deep x 80.1 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Street Address | 108 WATER LN |
|---|---|
| City | SPOKANE |
| State | MO |
| Zip | 65754-3000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 VALLEY WOODS PH 2 |
| Legal Range | 22 |
| Legal Township | 25 |
| Legal Section | 13 |
| Legal Subdivision | VALLEY WOODS |
| Legal Phase | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | CHRISTIAN MO |
| Township / Civil Division | SOUTH GALLOWAY |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 20501 |
Source: Christian County records, as of January 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 108 WATER LN, SPOKANE, MO 65754-3000 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage OLD MISSION BANK |
| Aug 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK |
| May 21, 2019 | Warranty Deed, Transfer PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2019 |
| Deed Sale | May 21, 2019 |
| Prior Sale | May 10, 2007 |
| Deed Document Number | 2019006030 |
| Deed Book / Page | 2019 / 006030 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHRISTIAN MO |
| Property Address | 108 WATER LN, SPOKANE, MO 65754-3000 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 108 WATER LN, SPOKANE, MO 65754-3000 |
| Document Number | 0202217620 |
|---|---|
| Date | Dec 7, 2022 |
| Book Page | 2022/17620 |
| Instrument | 2022L17801 |
| Name | OLD MISSION BANK |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, MO 65807 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHRISTIAN MO |
| Property Address | 108 WATER LN, SPOKANE, MO 65754-3000 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Title Company | GREAT AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 108 WATER LN, SPOKANE, MO 65754-3000 |
| Document Number | 0202115186 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 2021/15186 |
| Instrument | 2021L15323 |
| Name | GREAT SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, MO 65801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 6.5% |
| Index | 1-Year LIBOR |
| Max Rate | 9.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHRISTIAN MO |
| Recording Date | May 21, 2019 |
| Property Address | 108 WATER LN, SPOKANE, MO 65754-3000 |
| Document Number | 0201906030 |
| Book / Page | 002019 / 006030 |
| Instrument Date | May 15, 2019 |
| Instrument | 6094 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2019 |
| Title Company | GREAT AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 108 WATER LN SPOKANE MO 657543000, SPOKANE, MO 65754-3000 |
| Document Number | 201906031 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 002019/006031 |
| Instrument | 6095 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 20, 2049 |
Source: Christian County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Christian County |
| Unified School District | Spokane R-VII School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $29,770 (+6.51%) | $156,700 (+6.53%) Land $23,000 Building $133,700 |
| 2023 | $27,950 | $147,100 Land $23,000 Building $124,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 1, 2023 · 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Apr 2021 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · above 90% of Missouri |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| White River Connect Fiber | 2,500 / 2,500 |
| Optimum Cable | 940 / 35 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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