108 W Ridge St, Sutton, NE 68979 Property Records

Clay County property record for 108 W Ridge St, Sutton, NE 68979

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1965
Lot Size	0.141 acres (6,160 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Oct 2025)
Tax Bill	$2,383 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2013 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3673-00-0-77030-010-8506`

Property Details

APN / Parcel Number

Primary APN	`3673-00-0-77030-010-8506`
Alternative APN	`000850600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Basement Area	1,728 sqft
Finished Basement	1,152 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2014
Architectural Style	Bi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,160 sqft (0.141 acres)
Lot Dimensions	88 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 W RIDGE ST
City	SUTTON
State	NE
Zip	68979-2600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	W70' LOTS 1 & 2 BLK 10 NORTH ADD SUTTON CITY
Legal Subdivision	NORTH ADD
Legal Block	10
Legal Lot Number	1,2
Jurisdiction	CLAY NE
Township / Civil Division	SUTTON
Census Block Group	3
Census Block	3025
Census Tract	962100

Owner

108 W Ridge St is owned and occupied by two individuals who bought it in October 2025.

Source: Clay County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	108 W RIDGE ST, SUTTON, NE 68979-2600
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 18, 2013	Deed of Trust, Mortgage BANK OF AMERICA, N.A.
Oct 11, 2006	Deed of Trust, Mortgage BANK OF AMERICA, N.A.
Oct 6, 2025	Warranty Deed, Transfer · FHA Mortgage MORIA DEVELOPMENT INC
May 11, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on File
Deed Sale	Oct 6, 2025 · Amount on File
Prior Sale	May 11, 2017 · Amount on File
Deed Document Number	20251003
Prior Transfer Date	Oct 29, 2013
Prior Transfer Doc	000128/153
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Recording Date	Jun 11, 2026
Property Address	108 W RIDGE ST, SUTTON, NE 68979-2600
Document Number	0000000774
Instrument Date	Jun 2, 2026
Instrument	2026774
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	108 W RIDGE ST, SUTTON, NE 68979-2600

Mortgage

Document Number	0000000774,
Date	Jun 11, 2026
Instrument	2026774

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

November 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	108 W RIDGE ST, SUTTON, NE 68979-2600
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000237/209
Date	Nov 18, 2013
Book Page	237/209

Lender

Name	BANK OF AMERICA, N.A.
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2033

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	108 W RIDGE ST, SUTTON, NE 68979-2600
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ADAMS LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000212/128
Date	Oct 11, 2006
Book Page	212/128

Lender

Name	BANK OF AMERICA, N.A.
Address	275 VALENCIA AVE, BREA, CA 92823

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2036

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Oct 6, 2025
Property Address	108 W RIDGE ST, SUTTON, NE 68979-2600
Document Number	0202501003
Instrument Date	Sep 29, 2025
Instrument	202501003
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CONSUEGRA TITLE LLC, CONSUMER T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$568.40
Amount Accuracy	Calculated from Transfer Tax
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	0202501004
Date	Oct 6, 2025
Instrument	202501004

Lender

Name	MORIA DEVELOPMENT INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NE
Recording Date	May 11, 2017
Property Address	108 W RIDGE ST, SUTTON, NE 68979-2600
Document Number	000131/045
Book / Page	131 / 045
Instrument Date	May 10, 2017
Instrument	2017-00473
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Amount	Amount on Record
Tax	$63.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 W RIDGE ST, SUTTON, NE 68979-2600

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 W RIDGE ST, SUTTON, NE 68979-2600

Tax Assessment & Valuation

The 2025 property tax bill for 108 W Ridge St was $2,383, up 9.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Nebraska
County	Clay County
Municipality	Sutton City
Unified School District	Sutton Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$178,510 (+8.64%) Land $6,160 Building $172,350	$178,510 (+8.64%) Land $6,160 Building $172,350
2025	$2,383.00 (+9.66%)	$164,310 (+15.65%) Land $3,080 Building $161,230	$164,310 (+15.65%) Land $3,080 Building $161,230
2024	$2,173.00 (-18%)	$142,070 (-) Land $3,080 Building $138,990	$142,070 (-) Land $3,080 Building $138,990
2023	$2,650.00	$142,070 Land $3,080 Building $138,990	$142,070 Land $3,080 Building $138,990

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

Flood

FEMA maps place 108 W Ridge St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 4, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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 108 W Ridge St 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 98% of the US · lower than 96% of Nebraska
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	CITY OF SUTTON serves 1,447 people · EPA ID NE3103507
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	3 ppb (2023–2025) action level 15 ppb
Copper	1.63 mg/L (2019) action level 1.3 mg/L

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

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Glenwood Telecommunications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Zito Media Cable	100 / 25

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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