122 E 12th St, Cozad, NE 69130 Property Records

Dawson County property record for 122 E 12th St, Cozad, NE 69130

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,122 sqft · built 1920
Lot Size	0.124 acres (5,400 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Aug 2026 Mortgage Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3410-00-0-20142-000-0007`

Property Details

APN / Parcel Number

Primary APN	`3410-00-0-20142-000-0007`
Alternative APN	`240101642`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	1,122 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	100 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	262 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	122 E 12TH ST
City	COZAD
State	NE
Zip	69130-1523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	00000805 LOT 7 SUB LOT 10 DARNERS FIRST
Legal Subdivision	DARNERS FIRST SUB-DIV
Legal Lot Number	7,10
Jurisdiction	DAWSON NE
Township / Civil Division	COZAD
Census Block Group	2
Census Block	2044
Census Tract	968300

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	122 E 12TH ST, COZAD, NE 69130-1523
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Sep 30, 2022	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Apr 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAWSON NE
Recording Date	Aug 25, 2026
Property Address	122 E 12TH ST, COZAD, NE 69130-1523
Document Number	0000002300
Instrument Date	Aug 11, 2026
Instrument	20262300
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	VISIONET SYSTEMS INC, VISIONET SYSTEMS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 E 12TH ST, COZAD, NE 69130-1523

Mortgage

Document Number	0000002300,
Date	Aug 25, 2026
Instrument	20262300

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAWSON NE
Property Address	122 E 12TH ST, COZAD, NE 69130-1523
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020222961
Date	Sep 30, 2022
Instrument	2022-2961

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAWSON NE
Property Address	122 E 12TH ST, COZAD, NE 69130-1523
Transaction Type	Mortgage
Record Updated	May 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20181037
Date	Apr 17, 2018
Instrument	2018-1037

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2033

Tax Assessment & Valuation

Source: Dawson County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Dawson County
Municipality	Cozad City
Unified School District	Cozad Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$96,250 (+20.19%) Land $4,320 Building $91,930	$96,250 (+20.19%) Land $4,320 Building $91,930
2025	Homeowner's exemption	$80,080 (+15.29%) Land $4,320 Building $75,760	$80,080 (+15.29%) Land $4,320 Building $75,760
2023	Homeowner's exemption	$69,462 Land $3,240 Building $66,222	$69,462 Land $3,240 Building $66,222

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 28, 2022 · 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 Claims	5 (2010–2019)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2019 · Severe Winter Storm, Straight-line Winds, And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 COZAD serves 3,915 people · EPA ID NE3104701
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	2 ppb (2023–2025) action level 15 ppb

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

Provider	Max Down / Up (Mbps)
Cozad Telephone Company Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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