1020 Rd 320, Harvard, NE 68944 Property Records

Clay County property record for 1020 Rd 320, Harvard, NE 68944

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 2,392 sqft · built 1925
Lot Size	2.83 acres (123,275 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Feb 2022)
Tax Bill	$1,488 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3669-27-3-00000-000-0777`

Property Details

APN / Parcel Number

Primary APN	`3669-27-3-00000-000-0777`
Alternative APN	`000077700`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,392 sqft Living Area
1st Floor Area	1,428 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	123,275 sqft (2.83 acres)
Lot Dimensions	245 ft deep x 460 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Deck Area	104 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1020 ROAD 320
City	HARVARD
State	NE
Zip	68944-2234
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	05-AGRICUL
Legal Description	PT SW1/4 (460' X 245')
Legal Range	07
Legal Township	08
Legal Section	27
Legal Subdivision	SECTION 27, TOWNSHIP 8 NORTH, RANGE 7
Jurisdiction	CLAY NE
Township / Civil Division	HARVARD
Census Block Group	1
Census Block	1205
Census Tract	962100

Owner

Source: Clay County records, as of August 18, 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	1020 ROAD 320, HARVARD, NE 68944-2234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage HEARTLAND BANK
Feb 14, 2022	Warranty Deed, Transfer · Conventional Mortgage CHARTER WEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2022 · Amount on Record
Deed Sale	Feb 14, 2022 · Amount on Record
Prior Sale	Feb 23, 2011
Deed Document Number	2022165
Deed Book / Page	135 / 37
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	1020 ROAD 320, HARVARD, NE 68944-2234
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 ROAD 320, HARVARD, NE 68944-2234

Mortgage

Document Number	0000264/79
Date	May 6, 2021
Book Page	264/79
Instrument	2021-00578

Lender

Name	HEARTLAND BANK
Type	Bank
Address	HASTINGS, NE 68901

Agreement

Amount	Amount Recorded

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Feb 14, 2022
Property Address	1020 ROAD 320, HARVARD, NE 68944-2234
Document Number	0000135/37
Book / Page	135 / 37
Instrument Date	Feb 8, 2022
Instrument	2022-00165
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	ATSAIBENI TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000268/109
Date	Feb 14, 2022
Book Page	268/109
Instrument	2022-00160

Lender

Name	CHARTER WEST BANK
Type	Bank
Address	GRAND ISLAND, NE 68803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

Source: Clay County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Clay County
County Subdivision	Harvard Township
Unified School District	Harvard Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$228,955 (+12.07%) Land $28,100 Building $200,855	$228,955 (+12.07%) Land $28,100 Building $200,855
2025	$1,488.00 (-38.31%)	$204,290 (+3.06%) Land $28,100 Building $176,190	$204,290 (+3.06%) Land $28,100 Building $176,190
2023	$2,412.00	$198,225 Land $22,100 Building $176,125	$198,225 Land $22,100 Building $176,125

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 4, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 Nebraska
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000
GigFire Fixed Wireless	150 / 130
Zito Media Cable	100 / 25

May also be available: Nextlink.

Cell Coverage

5G and 4G LTE (outdoors only)

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