Douglas County property record for 109 S Front St, Waterloo, NE 68069
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,412 sqft · built 1890 |
| Lot Size | 0.187 acres (8,184 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,142 (2024) |
| Flood Zone | Zone X (reduced by levee) |
| APN | R2412150000 |
| Primary APN | R2412150000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,412 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,184 sqft (0.187 acres) |
| Lot Dimensions | 124 ft deep x 66 ft wide |
| Garage Type | Carport |
| Garage Area | 216 sqft |
| Carport | Carport |
| Carport Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 160 sqft |
| Patio Area | 48 sqft |
| Fence | Fence |
| Storage Building | 174 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R2412150000 |
|---|---|
| Street Address | 109 S FRONT ST |
| City | WATERLOO |
| State | NE |
| Zip | 68069-2014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WATERLOO-TOWN OF- LOT 5 BLOCK 13 66 X 125 |
| Legal Subdivision | WATERLOOTOWN OF |
| Legal Block | 13 |
| Legal Lot Number | 5 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 7508 |
109 S Front St is owned and occupied by an individual.
Source: Douglas County records, as of March 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 S FRONT ST, WATERLOO, NE 68069-2014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Douglas County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Municipality | Waterloo Village |
| Unified School District | Douglas County West Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $94,800 Land $21,200 Building $73,600 | $94,800 Land $21,200 Building $73,600 | |
| 2024 | $1,142.00 (-13.09%) | ||
| 2023 | $1,314.00 (-17.88%) | $80,100 Land $21,200 Building $58,900 | $80,100 Land $21,200 Building $58,900 |
| 2022 | $1,600.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 S Front St in Zone X, where a levee reduces flood risk, though there have been 38 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 57 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 57 in force |
| Nearby Flood Claims | 38 (1978–2024) |
| Claims Outside the SFHA | 2 of 38 |
| Most Recent Claim | May 2024 · Severe Storms, Straight-line Winds, Tornadoes, 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.
Wildfire risk around 109 S Front St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 76% of Nebraska |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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 WATERLOO serves 962 people · EPA ID NE3105517 |
|---|---|
| Water Source | Purchased surface water from METROPOLITAN UTILITIES DISTRICT |
| Last State Inspection | Oct 2025 |
| Lead | 12 ppb (2019–2021) 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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Nextlink Fixed Wireless | 500 / 200 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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