Boyd County property record for 109 S Thayer St, Spencer, NE 68777
| Property Type | Commercial |
|---|---|
| Details | 1,925 sqft · built 1948 |
| Lot Size | 0.08 acres (3,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $38,000 (Feb 2021) |
| Tax Bill | $314 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 100105500 |
| Primary APN | 100105500 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,925 sqft Total Area |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Combination |
| Construction Type | Brick |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 3,500 sqft (0.08 acres) |
| Heating System | HVAC |
|---|
| Street Address | 109 S THAYER ST |
|---|---|
| City | SPENCER |
| State | NE |
| Zip | 68777-9784 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | 03-COMMERC |
| Legal Description | BLOCK: 35 LOT: 5 SPENCER VILLAGE (ORIGINAL) |
| Legal Subdivision | VILLAGE SPENCER |
| Legal Block | 35 |
| Legal Lot Number | 5 |
| Jurisdiction | BOYD NE |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1129 |
| Census Tract | 975800 |
109 S Thayer St, a commercial property, is owned by an individual who bought it in February 2021.
Source: Boyd County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 215, SPENCER, NE 68777-0215 |
| 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 |
|---|---|
| Last Sale | Feb 10, 2021 · Amount on File |
| Deed Sale | Feb 10, 2021 · Amount on File |
| Prior Sale | Feb 29, 2016 · Amount on File |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 109 S Thayer St was $314.
Source: Boyd County assessment roll, as of February 26, 2026
| Type | Name |
|---|---|
| State | Nebraska |
| County | Boyd County |
| County Subdivision | Spencer Township |
| Municipality | Spencer Village |
| Unified School District | Boyd County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $31,430 (+17.41%) Land $1,330 Building $30,100 | $31,430 (+17.41%) Land $1,330 Building $30,100 | |
| 2025 | $314.00 | $26,770 Land $1,330 Building $25,440 | $26,770 Land $1,330 Building $25,440 |
| 2023 | $335.00 | $21,520 Land $840 Building $20,680 | $21,520 Land $840 Building $20,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 S Thayer St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1995.
Source: FEMA National Flood Hazard Layer, effective August 18, 2005 · 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 |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 14 (1995–2023) |
| Most Recent Claim | Jun 2023 · rainfall accumulation |
| 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 Thayer St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 82% of Nebraska |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within 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 SPENCER serves 350 people · EPA ID NE3101507 |
|---|---|
| Water Source | Purchased groundwater from BOYD CO RWD 2 |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 180 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Northeast Nebraska Telephone Company Fiber | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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