Christian County property record for 115 Water Ln, Spokane, MO 65754
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,280 sqft · built 2018 |
| Lot Size | 0.2 acres (8,730 sqft) |
| Owner | Individual Name on Record |
| Deeds & Mortgages | Jan 2024 Mortgage Mar 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-0.6-13-2-4-3.024 |
| Primary APN | 20-0.6-13-2-4-3.024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,280 sqft |
| 1st Floor Area | 1,280 sqft |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick/Wood |
| Lot Area | 8,730 sqft (0.2 acres) |
| Lot Dimensions | 194 ft deep x 45 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Street Address | 115 WATER LN |
|---|---|
| City | SPOKANE |
| State | MO |
| Zip | 65754-3000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 VALLEY WOODS PH 2 |
| Legal Range | 22 |
| Legal Township | 25 |
| Legal Section | 13 |
| Legal Subdivision | VALLEY WOODS |
| Legal Phase | 2 |
| Legal Lot Number | 8 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 115 WATER LN, SPOKANE, MO 65754-3000 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 10, 2022 | Deed of Trust, Mortgage · FHA Mortgage US BANK FULFILLEMENT SERVICES |
| Apr 17, 2019 | Warranty Deed, Transfer · FHA Mortgage GUARANTY BANK |
| Nov 1, 2018 | Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC |
| May 29, 2018 | Trustee's Deed, Construction Loan · Line of Credit OZARK BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2025 |
| Deed Sale | Apr 21, 2025 |
| Prior Sale | Apr 17, 2019 |
| Deed Document Number | 2025004226 |
| Deed Book / Page | 2025 / 004226 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHRISTIAN MO |
| Property Address | 115 WATER LN, SPOKANE, MO 65754-3000 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2024 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 115 WATER LN, SPOKANE, MO 65754-3000 |
| Document Number | 0202400790 |
|---|---|
| Date | Jan 25, 2024 |
| Book Page | 2024/790 |
| Instrument | 2024L00800 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 304 Months |
| Due | May 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHRISTIAN MO |
| Property Address | 115 WATER LN, SPOKANE, MO 65754-3000 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 969 HAWTHORNE RD, HIGHLANDVILLE, MO 65669-8350 |
| Document Number | 0202203535 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 2022/3535 |
| Instrument | 2022L03568 |
| Name | US BANK FULFILLEMENT SERVICES |
|---|---|
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 326 Months |
| Due | May 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHRISTIAN MO |
| Recording Date | Apr 17, 2019 |
| Property Address | 115 WATER LN, SPOKANE, MO 65754-3000 |
| Document Number | 0201904228 |
| Book / Page | 2019 / 04228 |
| Instrument Date | Apr 16, 2019 |
| Instrument | 2019L04278 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | HOGAN LAND TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 115 WATER LN, SPOKANE, MO 65754-3000 |
| Document Number | 2019L04279 |
|---|---|
| Date | Apr 17, 2019 |
| Instrument | 2019L04279 |
| Name | GUARANTY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHRISTIAN MO |
| Recording Date | Nov 1, 2018 |
| Property Address | 115 WATER LN, SPOKANE, MO 65754-3000 |
| Document Number | 0201814550 |
| Book / Page | 2018 / 14550 |
| Instrument Date | Oct 31, 2018 |
| Instrument | 2018L14699 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | OZARK ABSTRACT & TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 115 WATER LN, SPOKANE, MO 65754-3000 |
| Document Number | 2018L14700 |
|---|---|
| Date | Nov 1, 2018 |
| Instrument | 2018L14700 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CHRISTIAN MO |
| Recording Date | May 29, 2018 |
| Property Address | 115 WATER LN, SPOKANE, MO 65754-3000 |
| Book / Page | 002018 / 006696 |
| Instrument Date | May 23, 2018 |
| Instrument | 6766 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 28, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1289 PRAIRIE RIDGE RD OZARK MO 657217117, OZARK, MO 65721-7117 |
| Document Number | 0201806696 |
|---|---|
| Date | May 29, 2018 |
| Book Page | 002018/006696 |
| Instrument | 6766 |
| Name | OZARK BK |
|---|---|
| Type | Bank |
| Address | OZARK, MO 65721 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 (+6.44%) | $156,700 (+6.45%) Land $23,000 Building $133,700 |
| 2023 | $27,970 | $147,200 Land $23,000 Building $124,200 |
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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