446 Bertling St, Cape Girardeau, MO 63701 Property Records

Cape Girardeau County property record for 446 Bertling St, Cape Girardeau, MO 63701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,064 sqft · built 1977
Lot Size	0.673 acres (29,316 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jul 2022)
Tax Bill	$2,059 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`167120005014000000`

Property Details

APN / Parcel Number

Primary APN	`167120005014000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,064 sqft Living Area
Basement Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Stucco
Construction Type	Frame
Lot Area	29,316 sqft (0.673 acres)
Lot Dimensions	143 ft deep x 205 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	446 BERTLING ST
City	CAPE GIRARDEAU
State	MO
Zip	63701-3110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SUR 3091
Legal Range	14E
Legal Township	31S
Legal Section	29
Legal Subdivision	U S PRIVATE SURVEY NO 3091
Jurisdiction	CAPE GIRARDEAU MO
Township / Civil Division	CAPE GIRARDEAU
Census Block Group	2
Census Block	2011
Census Tract	880600

Owner

Source: Cape Girardeau County records, as of October 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	446 BERTLING ST, CAPE GIRARDEAU, MO 63701-3110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE COMMUNITY BANK
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLIANCE BANK
Dec 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage ALLIANCE BANK
Dec 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage ALLIANCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Feb 29, 2016 · Amount on Record
Deed Document Number	20227885
Prior Transfer Date	Jul 12, 2022
Prior Transfer Doc	0000007885
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE GIRARDEAU MO
Property Address	446 BERTLING ST, CAPE GIRARDEAU, MO 63701-3110
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202207886
Date	Jul 19, 2022
Instrument	2022-07886

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE GIRARDEAU MO
Property Address	446 BERTLING ST, CAPE GIRARDEAU, MO 63701-3110
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202104217
Date	Mar 26, 2021
Instrument	2021-04217

Lender

Name	ALLIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE GIRARDEAU MO
Property Address	446 BERTLING ST, CAPE GIRARDEAU, MO 63701-3110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012523
Date	Dec 16, 2019
Instrument	2019-12523

Lender

Name	ALLIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 10, 2029

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAPE GIRARDEAU MO
Property Address	446 BERTLING ST, CAPE GIRARDEAU, MO 63701-3110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012547
Date	Dec 16, 2019
Instrument	2019-12547

Lender

Name	ALLIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Jan 10, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cape Girardeau County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Cape Girardeau County
Municipality	Cape Girardeau City
Unified School District	Cape Girardeau 63 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$39,440 (-) Land $4,260 Building $35,180	$207,573 (-) Land $22,444 Building $185,129
2025	$2,059.00 (+5.48%)	$39,440 (+5.01%) Land $4,260 Building $35,180	$207,573 (+5%) Land $22,444 Building $185,129
2023	$1,952.00	$37,560 Land $4,060 Building $33,500	$197,688 Land $21,375 Building $176,313

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 January 19, 2016 · 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 Claims	14 (1982–2011)
Claims Outside the SFHA	1 of 14
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 claims

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	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CAPE GIRARDEAU PWS serves 39,941 people · EPA ID MO4010136
Water Source	Groundwater
Last State Inspection	May 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 374 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: AT&T, Verizon, Wisper ISP.

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