Cape Girardeau County property record for 2048 State Hwy N, Chaffee, MO 63740
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,567 sqft · built 1987 |
| Lot Size | 2.04 acres (88,862 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,046 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jul 2022 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 231000500008020000 |
| Primary APN | 231000500008020000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,567 sqft Living Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Lot Area | 88,862 sqft (2.04 acres) |
| Lot Dimensions | 383 ft deep x 253 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2048 STATE HWY N |
|---|---|
| City | CHAFFEE |
| State | MO |
| Zip | 63740-8092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LOT 2 |
| Legal Range | 12E |
| Legal Township | 29S |
| Legal Section | 05 |
| Legal Lot Number | 2 |
| Jurisdiction | CAPE GIRARDEAU MO |
| Township / Civil Division | WELCH |
| Census Block Group | 2 |
| Census Block | 2073 |
| Census Tract | 880300 |
2048 State Hwy N is owned and occupied by two individuals.
Source: Cape Girardeau County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2048 STATE HWY N, CHAFFEE, MO 63740-8092 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 30, 2023 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Jul 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE GIRARDEAU MO |
| Property Address | 2048 STATE HWY N, CHAFFEE, MO 63740-8092 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0202307156 |
|---|---|
| Date | Aug 30, 2023 |
| Instrument | 2023-07156 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 8, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAPE GIRARDEAU MO |
| Property Address | 2048 STATE HWY N, CHAFFEE, MO 63740-8092 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0202208048 |
|---|---|
| Date | Jul 22, 2022 |
| Instrument | 2022-08048 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 19, 2032 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 2048 State Hwy N was $1,046.
Source: Cape Girardeau County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Cape Girardeau County |
| Unified School District | Delta R-V School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $20,170 (-) Land $990 Building $19,180 | $106,121 (-) Land $5,195 Building $100,926 | |
| 2025 | $1,046.00 | $20,170 Land $990 Building $19,180 | $106,121 Land $5,195 Building $100,926 |
| 2023 | $992.00 | $19,200 Land $940 Building $18,260 | $101,068 Land $4,948 Building $96,120 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2048 State Hwy N in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 19, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 18 (1997–2017) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | May 2017 · Severe Storms, Tornadoes, Straight-line Winds 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 2048 State Hwy N 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoSEMO Fiber | 1,000 / 1,000 |
| Spectrum Fiber | 1,000 / 500 |
| T-Mobile Fixed Wireless | 100 / 20 |
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