114 Water Ln, Spokane, MO 65754 Property Records

Christian County property record for 114 Water Ln, Spokane, MO 65754

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,512 sqft · built 2007
Lot Size	0.182 acres (7,904 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,200 (Apr 2017)
Tax Bill	$1,706 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-0.6-13-2-4-3.022`

Property Details

APN / Parcel Number

Primary APN	`20-0.6-13-2-4-3.022`
Alternative APN	`20-0.6-13-002-004-003.022`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,904 sqft (0.182 acres)
Lot Dimensions	192 ft deep x 41 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	114 WATER LN
City	SPOKANE
State	MO
Zip	65754-3000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 VALLEY WOODS PH 2
Legal Range	22W
Legal Township	25N
Legal Section	13
Legal Subdivision	VALLEY WOODS PH 2
Legal Phase	2
Legal Lot Number	10
Jurisdiction	CHRISTIAN MO
Township / Civil Division	SOUTH GALLOWAY
Census Block Group	3
Census Block	3035
Census Tract	20501

Owner

Source: Christian County records, as of January 21, 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	114 WATER LN, SPOKANE, MO 65754-3000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Apr 4, 2017	Warranty Deed, Transfer · FHA Mortgage GERSHMAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2017 · Amount on Record
Deed Sale	Apr 4, 2017 · Amount on Record
Prior Sale	Jul 17, 2012 · Amount on Record
Deed Document Number	20174048
Deed Book / Page	2017 / 4010
Prior Transfer Date	Apr 25, 2013
Prior Transfer Doc	0201305856
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN MO
Property Address	114 WATER LN, SPOKANE, MO 65754-3000
Document Number	0202021879
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	114 WATER LN SPOKANE MO 657543000, SPOKANE, MO 65754-3000

Mortgage

Document Number	0202021879
Date	Dec 22, 2020
Book Page	002020/021879
Instrument	22079

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	SAINT LOUIS, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Dec 21, 2047

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHRISTIAN MO
Recording Date	Apr 4, 2017
Property Address	114 WATER LN, SPOKANE, MO 65754-3000
Document Number	0201704010
Book / Page	002017 / 004010
Instrument Date	Mar 31, 2017
Instrument	4010
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	GREAT AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	114 WATER LN SPOKANE MO 657543000, SPOKANE, MO 65754-3000

Mortgage

Document Number	201704011
Date	Apr 4, 2017
Book Page	002017/004011

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2047

Tax Assessment & Valuation

Source: Christian County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Christian County
Unified School District	Spokane R-VII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$36,540 (+6.72%)	$192,300 (+6.71%) Land $23,000 Building $169,300
2024	$1,706.00
2023		$34,240	$180,200 Land $23,000 Building $157,200

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · above 92% 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.

Internet Providers

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
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: Optimum, T-Mobile.

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