1540 River Road Dr, Waterloo, NE 68069 Property Records

Douglas County property record for 1540 River Road Dr, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,144 sqft · built 1955
Lot Size	2.27 acres (98,881 sqft)
Owner	Company Name on Record
Last Sale	$230,000 (Feb 2018)
Tax Bill	$2,077 (2024)
Deeds & Mortgages	Jun 2019 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`R0108820004`

Property Details

APN / Parcel Number

Primary APN	`R0108820004`
Alternative APNs	`0882 0004 01` `0108820004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,144 sqft Living Area
Basement Area	120 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Masonry

Exterior

Year Built	Built 1955
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	98,881 sqft (2.27 acres)
Lot Dimensions	291 ft deep x 339 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	1,117 sqft
Patio Area	180 sqft
Storage Building	360 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0108820004
Street Address	1540 RIVER ROAD DR
City	WATERLOO
State	NE
Zip	68069-3610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANDS SEC-TWN-RGE 15-15-10 339.5 X 291.82 FT TRACT W OF CO RD SE 1/4 NE 1/4 2.27 AC
Legal Range	10
Legal Township	15
Legal Section	15
Legal Subdivision	LANDS
Legal Tract	W
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2069
Census Tract	7508

Owner

Source: Douglas County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1540 RIVER ROAD DR, WATERLOO, NE 68069-3610
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2019	Deed of Trust, Mortgage · Commercial Mortgage UNITED STATES SMALL BUSINESS ADMIN
Sep 17, 2019	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Feb 7, 2018	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2018 · Amount on Record
Deed Sale	Feb 7, 2018 · Amount on Record
Prior Sale	Feb 7, 2018 · Amount on Record
Deed Document Number	0000010102
Last Transfer Date	Jun 23, 2023
Transfer Doc	0000044907
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	1540 RIVER ROAD DR, WATERLOO, NE 68069-3610
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019043196
Date	Jun 14, 2019
Instrument	2019043196

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	EL PASO, TX 79935

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	1540 RIVER ROAD DR, WATERLOO, NE 68069-3610
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019076882
Date	Sep 17, 2019
Instrument	2019076882

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	EL PASO, TX 79935

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 10, 2049

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Feb 7, 2018
Property Address	1540 RIVER ROAD DR, WATERLOO, NE 68069-3610
Document Number	0000010102
Instrument Date	Jan 19, 2018
Instrument	10102
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	NEBRASKA LAND TITLE AND ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$517.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1540 RIVER ROAD DR WATERLOO NE 680693610, WATERLOO, NE 68069-3610

Mortgage

Document Number	10103
Date	Feb 7, 2018
Instrument	10103

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Nebraska
County	Douglas County
Unified School District	Douglas County West Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$230,800 (-) Land $73,700 Building $157,100	$230,800 (-) Land $73,700 Building $157,100
2024	$2,077.00 (-26.43%)
2023	$2,823.00 (+7.18%)	$230,800 Land $73,700 Building $157,100	$230,800 Land $73,700 Building $157,100
2022	$2,634.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	Severe Storms And Flooding, Mar 2019 · 14 claims

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	Low lower than 95% of the US · lower than 90% of Nebraska
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	700 / 300
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	50 / 10

May also be available: AT&T, CenturyLink.

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