12309 Cuming St, Omaha, NE 68154 Property Records

Douglas County property record for 12309 Cuming St, Omaha, NE 68154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,510 sqft · built 1969
Lot Size	0.291 acres (12,665 sqft)
Owner	Individual Name on Record
Last Sale	$141,000 (Dec 2001)
Tax Bill	$4,755 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Nov 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5551-0686-17`

Property Details

APN / Parcel Number

Primary APN	`5551-0686-17`
Alternative APNs	`R1755510686` `1755510686`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,510 sqft Living Area
Gross Area	3,592 sqft
1st Floor Area	1,810 sqft
Basement Area	1,742 sqft
Finished Basement	700 sqft
Unfinished Basement	1,042 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,665 sqft (0.291 acres)
Lot Dimensions	149 ft deep x 85 ft wide
Garage Type	Basement
Garage Area	1 sqft
Porch	Covered Slab
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1755510686
Street Address	12309 CUMING ST
City	OMAHA
State	NE
Zip	68154-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	MIRACLE HILLS LOT 14 BLOCK 3 IRREG
Legal Subdivision	MIRACLE HILLS
Legal Block	3
Legal Lot Number	14
Jurisdiction	DOUGLAS NE
Township / Civil Division	OMAHA
Census Block Group	2
Census Block	2005
Census Tract	7443

Owner

Source: Douglas County records, as of June 30, 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	12309 CUMING ST, OMAHA, NE 68154-1434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 13, 2024	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 15, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CREIGHTON FCU
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CREIGHTON FCU
Nov 28, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2001 · Amount on Record
Deed Sale	Dec 27, 2001 · Amount on Record
Deed Document Number	200117348
Deed Book / Page	2199 / 232
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	12309 CUMING ST, OMAHA, NE 68154-1434
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000090918
Date	Dec 4, 2023
Instrument	2023090918

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	12309 CUMING ST, OMAHA, NE 68154-1434
Transaction Type	Mortgage
Record Updated	Nov 18, 2025
Title Company	UNKNOWN, GTE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12309 CUMING ST, OMAHA, NE 68154-1434

Mortgage

Document Number	0000081006
Date	Nov 13, 2024
Instrument	2024081006

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	12309 CUMING ST, OMAHA, NE 68154-1434
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000122395
Date	Sep 15, 2021
Instrument	2021122395

Lender

Name	CREIGHTON FCU
Type	Credit Union
Address	OMAHA, NE 68131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	117 Months
Due	Jun 1, 2031

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	12309 CUMING ST, OMAHA, NE 68154-1434
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000109774
Date	Sep 29, 2020
Instrument	2020109774

Lender

Name	CREIGHTON FCU
Type	Credit Union
Address	OMAHA, NE 68131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Jul 1, 2035

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DOUGLAS NE
Property Address	12309 CUMING ST, OMAHA, NE 68154-1434
Document Number	0000104080
Instrument Date	Nov 28, 2017
Transaction Type	Mortgage
Record Updated	Mar 14, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12309 CUMING ST OMAHA NE 681541434, OMAHA, NE 68154-1434

Mortgage

Document Number	0000104080
Date	Dec 27, 2017
Instrument	104080

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of October 14, 2025

Property Jurisdictions

Type	Name
State	Nebraska
County	Douglas County
Municipality	Omaha City
Unified School District	Omaha Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,755.00 (+3.41%)	$284,400 (-) Land $48,600 Building $235,800	$284,400 (-) Land $48,600 Building $235,800
2024	$4,598.00 (-23.37%)
2023	$6,000.00 (+25.89%)	$284,400 Land $48,600 Building $235,800	$284,400 Land $48,600 Building $235,800
2022	$4,766.00

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 March 25, 2025 · 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	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2015 · river or lake 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	METROPOLITAN UTILITIES DISTRICT serves 660,000 people · EPA ID NE3105507
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	12 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
CenturyLink Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Great Plains Communications, Nextlink.

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