Lancaster County property record for 18805 Bluff Rd, Waverly, NE 68462
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,796 sqft · built 1905 |
| Lot Size | 5.27 acres (229,561 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,291 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-24-200-003-000 |
| Primary APN | 24-24-200-003-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,796 sqft Living Area |
| 1st Floor Area | 1,312 sqft |
| 2nd Floor Area | 484 sqft |
| Upper Floors Area | 484 sqft |
| Basement Area | 1,200 sqft |
| Finished Basement | 700 sqft |
| Year Built | Built 1905 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 229,561 sqft (5.27 acres) |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 18805 BLUFF RD |
|---|---|
| City | WAVERLY |
| State | NE |
| Zip | 68462-9517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AG |
| Legal Description | S24, T11, R8, 6TH PRINCIPAL MERIDIAN, LOT 15 NE |
| Legal Range | 08 |
| Legal Township | 11 |
| Legal Section | 24 |
| Legal Subdivision | WAVERLY PRECINCT |
| Legal Lot Number | 15 |
| Jurisdiction | LANCASTER NE |
| Township / Civil Division | WAVERLY |
| Census Block Group | 2 |
| Census Block | 2072 |
| Census Tract | 10100 |
18805 Bluff Rd, a rural home, is owned and occupied by two individuals.
Source: Lancaster County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18805 BLUFF RD, WAVERLY, NE 68462-9517 |
| 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 |
|---|---|
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK |
| Dec 10, 2018 | Deed of Trust, Mortgage · Commercial Mortgage PINNACLE BANK |
| Dec 20, 2019 | Deed of Trust, Mortgage · Commercial Mortgage COGENT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER NE |
| Property Address | 18805 BLUFF RD, WAVERLY, NE 68462-9517 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000014518 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 2021014518 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | LINCOLN, NE 68516 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER NE |
| Property Address | 18805 BLUFF RD, WAVERLY, NE 68462-9517 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000048548 |
|---|---|
| Date | Dec 10, 2018 |
| Instrument | 2018048548 |
| Name | PINNACLE BANK |
|---|---|
| Type | Bank |
| Address | LINCOLN, NE 68508 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER NE |
| Property Address | 18805 BLUFF RD, WAVERLY, NE 68462-9517 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000052161 |
|---|---|
| Date | Dec 20, 2019 |
| Instrument | 2019052161 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | LINCOLN, NE 68508 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 18805 Bluff Rd was $6,291.
Source: Lancaster County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Lancaster County |
| Unified School District | Waverly School District 145 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,291.00 | $460,000 Land $135,600 Building $324,400 | $460,000 Land $135,600 Building $324,400 |
| 2023 | $4,952.00 Homeowner's exemption | $433,600 Land $135,600 Building $298,000 | $433,600 Land $135,600 Building $298,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18805 Bluff Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.
Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · 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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 4 (2011–2016) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | May 2016 · 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 risk around 18805 Bluff Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 89% of Nebraska |
|---|---|
| Wildfire Likelihood | 0.02% 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: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 500 / 100 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Windstream Fixed Wireless | 100 / 10 |
| Verizon Fixed Wireless | 25 / 6 |
| Rise Broadband Fixed Wireless | 25 / 5 |
| AT&T Fixed Wireless | 25 / 3 |
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