Madison County property record for 110 E Spruce Ave, Norfolk, NE 68701
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 1,064 sqft · built 2018 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Sep 2019) |
| Tax Bill | $2,674 (2025) |
| Deeds & Mortgages | Aug 2018 Construction Loan Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 590288571 |
| Primary APN | 590288571 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,064 sqft Living Area |
| Basement Area | 1,064 sqft |
| Unfinished Basement | 1,064 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 110 E SPRUCE AVE |
|---|---|
| City | NORFOLK |
| State | NE |
| Zip | 68701-4328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SINGLE FAM |
| Legal Description | N H D C OAK STREET ADDITION LOT 6; MAP NUMBER: 1501-00-0-61587-000-0003 |
| Legal Range | 01 |
| Legal Township | 24 |
| Legal Section | 00 |
| Legal Subdivision | N H D C OAK STREET ADD |
| Legal Lot Number | 6 |
| Jurisdiction | MADISON NE |
| Township / Civil Division | NORFOLK |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 960600 |
110 E Spruce Ave is owned and occupied by an individual who bought it in September 2019.
Source: Madison County records, as of May 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 110 E SPRUCE AVE, NORFOLK, NE 68701-4328 |
| 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.
| Date | Document |
|---|---|
| Aug 20, 2018 | Deed of Trust, Mortgage · Construction Mortgage MIDWEST BANK |
| Sep 30, 2019 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2019 · Amount on File |
| Deed Sale | Sep 30, 2019 · Amount on File |
| Deed Book / Page | 2019 / 4166 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NE |
| Property Address | 110 E SPRUCE AVE, NORFOLK, NE 68701-4328 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018/3500 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 2018/3500 |
| Name | MIDWEST BANK |
|---|---|
| Type | Bank |
| Address | NORFOLK, NE 68701 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON NE |
| Recording Date | Sep 30, 2019 |
| Property Address | 110 E SPRUCE AVE, NORFOLK, NE 68701-4328 |
| Document Number | 02019/4166 |
| Book / Page | 2019 / 4166 |
| Instrument Date | Sep 23, 2019 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $393.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0020194167 |
|---|---|
| Date | Sep 30, 2019 |
| Instrument | 2019/4167 |
| Name | FIRST NATIONAL BANK OF OMAHA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 110 E Spruce Ave was $2,674.
Source: Madison County assessment roll, as of May 29, 2026
| Type | Name |
|---|---|
| State | Nebraska |
| County | Madison County |
| Municipality | Norfolk City |
| Unified School District | Norfolk Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,674.00 | $229,020 Land $9,136 Building $219,884 | $229,020 Land $9,136 Building $219,884 |
| 2023 | $3,622.00 | $195,921 Land $9,136 Building $186,785 | $195,921 Land $9,136 Building $186,785 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 110 E Spruce Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 2, 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 |
| Nearby Flood Policies | 2 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 risk around 110 E Spruce Ave is low, with a 0.03% 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 | 0.03% 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 | CITY OF NORFOLK serves 26,147 people · EPA ID NE3111910 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 5 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 350 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Allo Communications Fiber | 2,300 / 2,300 |
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| Sparklight Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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