Saunders County property record for 109 E Oak St, Cedar Bluffs, NE 68015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,196 sqft · built 1918 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,047 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2393-34-3-02045-002-4500 |
| Primary APN | 2393-34-3-02045-002-4500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 988 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 130 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 1,008 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | Deck Area |
|---|---|
| Patio Area | 80 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 109 E OAK ST |
|---|---|
| City | CEDAR BLUFFS |
| State | NE |
| Zip | 68015-3009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SINGLE-FAM |
| Legal Description | LOTS 5 & 6 & W 1/2 LOT 4 BLOCK 2 KILLIANS ADDITION TO CEDAR BLUFFS; MAP NUMBER: 2393-34-3-02045-002-4500 |
| Legal Range | 07 |
| Legal Township | 17 |
| Legal Section | 34 |
| Legal Subdivision | CEDAR BLUFFS-KILLIANS |
| Legal Block | 2 |
| Legal Lot Number | 4-6 |
| Jurisdiction | SAUNDERS NE |
| Township / Civil Division | NORTH CEDAR |
| Census Block Group | 3 |
| Census Block | 3102 |
| Census Tract | 968100 |
Source: Saunders County records, as of June 2, 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 | PO BOX 197, CEDAR BLUFFS, NE 68015-0197 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUNDERS NE |
| Property Address | 109 E OAK ST, CEDAR BLUFFS, NE 68015-3009 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0004980414 |
|---|---|
| Date | Dec 19, 2017 |
| Book Page | 498/414 |
| Instrument | 2017-12-245 |
| Name | FREMONT FIRST CENTRAL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Dec 15, 2024 |
| Rate Type | Fixed Rate |
|---|
Source: Saunders County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Nebraska |
| Municipality | Cedar Bluffs Village |
| County | Saunders County |
| County Subdivision | North Cedar Township |
| Unified School District | Cedar Bluffs Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,047.00 (-17.43%) | $149,260 (+12.71%) Land $15,600 Building $133,660 | $149,260 (+12.71%) Land $15,600 Building $133,660 |
| 2023 | $2,479.00 | $132,430 Land $15,600 Building $116,830 | $132,430 Land $15,600 Building $116,830 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 3, 2019 · 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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 15 (1980–2019) |
| Most Recent Claim | Mar 2019 · Severe Storms 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Nebraska |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF CEDAR BLUFFS serves 600 people · EPA ID NE3115504 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 258 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 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 300 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
5G (outdoors only) and 4G LTE
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