107 Harder Cir, Cairo, NE 68824 Property Records

Hall County property record for 107 Harder Cir, Cairo, NE 68824

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,664 sqft · built 2006
Lot Size	0.434 acres (18,916 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Apr 2018)
Tax Bill	$5,390 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`3213-00-0-20042-000-0008`

Property Details

APN / Parcel Number

Primary APN	`3213-00-0-20042-000-0008`
Alternative APN	`400411091`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	1,664 sqft
Basement Area	1,642 sqft
Finished Basement	1,313 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	18,916 sqft (0.434 acres)
Garage Type	Attached
Garage Area	846 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	572 sqft
Deck Area	196 sqft
Patio Area	196 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	107 HARDER CIR
City	CAIRO
State	NE
Zip	68824-2753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	CAIRO MAYFIELD VILLAGE HARDER ESTATES SUB LT 8; MAP NUMBER: 3213-00-0-20042-000-0008
Legal Subdivision	HARDER ESTATES SUB
Legal Lot Number	8
Jurisdiction	HALL NE
Township / Civil Division	MAYFIELD
Census Block Group	1
Census Block	1033
Census Tract	100

Owner

107 Harder Cir is owned by two individuals who bought it in April 2018.

Source: Hall County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 484, CAIRO, NE 68824-0484
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage PATHWAY BANK
Apr 13, 2018	Warranty Deed, Transfer · Conventional Mortgage PATHWAY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2018 · Amount on File
Deed Sale	Apr 13, 2018 · Amount on File
Prior Sale	May 11, 2007 · Amount on File
Deed Document Number	20182393
Prior Transfer Date	May 9, 2007
Prior Transfer Doc	0000003855
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALL NE
Property Address	107 HARDER CIR, CAIRO, NE 68824-2753
Transaction Type	Mortgage
Record Updated	Aug 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001424
Date	Feb 22, 2021
Instrument	202101424

Lender

Name	PATHWAY BANK
Type	Bank
Address	CAIRO, NE 68824

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HALL NE
Recording Date	Apr 13, 2018
Property Address	HARDER CIR, NE
Document Number	0000002393
Instrument Date	Apr 4, 2018
Instrument	201802393
Transaction Type	Transfer
Record Updated	Mar 3, 2022
Title Company	GRAND ISLAND ABSTRACT ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$607.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000002394
Date	Apr 13, 2018
Instrument	201802394

Lender

Name	PATHWAY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 107 Harder Cir was $5,390, down 4.8% from the year before.

Source: Hall County assessment roll, as of January 13, 2026

Property Jurisdictions

Type	Name
State	Nebraska
Municipality	Cairo Village
County	Hall County
Unified School District	Centura Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$410,606 (+5.96%) Land $29,818 Building $380,788	$410,606 (+5.96%) Land $29,818 Building $380,788
2025	$5,390.00 (-4.77%)	$387,505 Land $29,818 Building $357,687	$387,505 Land $29,818 Building $357,687
2024	$5,660.00
2023		$344,583 (+10.75%) Land $29,818 Building $314,765	$344,583 (+10.75%) Land $29,818 Building $314,765
2022	$6,530.00	$311,129 Land $10,000 Building $301,129	$311,129 Land $10,000 Building $301,129

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

Flood

FEMA maps place 107 Harder Cir in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · 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	5 in force
Nearby Flood Claims	1 (2009)
Most Recent Claim	Sep 2009 · rainfall accumulation

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

Wildfire risk around 107 Harder Cir is low, with less than 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 99.1% of the US · lower than 97.9% 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.

Drinking Water

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

Water System	VILLAGE OF CAIRO serves 785 people · EPA ID NE3107906
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Prairie Hills Wireless Fixed Wireless	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Hamilton.net Fixed Wireless	10 / 1

May also be available: Great Plains Communications, Spectrum, Viaero Wireless.

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