15450 W White Cloud Rd, Cairo, NE 68824 Property Records

Hall County property record for 15450 W White Cloud Rd, Cairo, NE 68824

Property Summary

Property Type	Rural Home
Details	2 bd · 3 ba · 2,017 sqft · built 2004
Lot Size	2.72 acres (118,731 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,924 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3546-00-0-00330-000-0001`

Property Details

APN / Parcel Number

Primary APN	`3546-00-0-00330-000-0001`
Alternative APN	`400407027`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,017 sqft Living Area
1st Floor Area	2,017 sqft
Basement Area	1,992 sqft
Finished Basement	1,494 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	118,731 sqft (2.72 acres)
Lot Width	300 ft Width
Garage Type	Mixed
Garage Area	1,625 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	54 sqft
Patio Area	54 sqft
Utility Building	3,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15450 W WHITE CLOUD RD
City	CAIRO
State	NE
Zip	68824-2745
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	05-AGRICUL
Legal Description	SOUTH LOUP TWP WHITE CLOUD HILL SUB LT 1; MAP NUMBER: 3546-00-0-00330-000-0001
Legal Range	12
Legal Township	12
Legal Section	23
Legal Subdivision	WHITE CLOUD HILL SUB
Legal Lot Number	1
Jurisdiction	HALL NE
Township / Civil Division	SOUTH LOUP
Census Block Group	1
Census Block	1025
Census Tract	100

Owner

Source: Hall County records, as of September 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	15450 W WHITE CLOUD RD, CAIRO, NE 68824-2745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 21, 2003
Transfer Doc	2001007519
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALL NE
Property Address	15450 W WHITE CLOUD RD, CAIRO, NE 68824-2745
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005388
Date	Jul 28, 2020
Instrument	202005388

Lender

Name	PATHWAY BANK
Type	Bank
Address	CAIRO, NE 68824

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

Source: Hall County assessment roll, as of January 13, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Hall County
Unified School District	Centura Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$502,947 (-0.04%) Land $41,231 Building $461,716	$502,947 (-0.04%) Land $41,231 Building $461,716
2025	$4,924.00 (-7.88%)	$503,134 (+47.49%) Land $41,231 Building $461,903	$503,134 (+47.49%) Land $41,231 Building $461,903
2024	$5,345.00 (+14.65%)
2023		$341,137 (+2.13%) Land $41,231 Building $299,906	$341,137 (+2.13%) Land $41,231 Building $299,906
2022	$4,662.00	$334,031 Land $34,125 Building $299,906	$334,031 Land $34,125 Building $299,906

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 September 24, 2020 · 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	5 in force
Nearby Flood Claims	1 (2009)
Most Recent Claim	Sep 2009 · rainfall accumulation

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 98% of the US · lower than 96% of Nebraska
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Prairie Hills Wireless Fixed Wireless	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Hamilton.net Fixed Wireless	10 / 1