1885 Optic Rd, Gibbon, NE 68840 Property Records

Buffalo County property record for 1885 Optic Rd, Gibbon, NE 68840

Property Summary

Property Type	Rural Home
Details	1 ba · 1,170 sqft · built 1918
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jun 2025)
Tax Bill	$1,812 (2025)
Deeds & Mortgages	Jan 2018 Reverse Mortgage Jun 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`66001410022681`

Property Details

APN / Parcel Number

Primary APN	`66001410022681`
Alternative APN	`660014100`

Interior

Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,170 sqft Total Area
1st Floor Area	780 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Mixed
Garage Area	1,152 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	48 sqft
Shed	1 Shed
Shed Area	720 sqft
Lean-To	210 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	66001410022681
Street Address	1885 OPTIC RD
City	GIBBON
State	NE
Zip	68840-3036
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AGRICULTUR
Legal Description	5-8-14 TR IN NE1/4 (3.005 A)
Legal Range	14
Legal Township	08
Legal Section	05
Jurisdiction	BUFFALO NE
Township / Civil Division	21
Census Block Group	2
Census Block	2077
Census Tract	969100

Owner

Source: Buffalo County assessment roll, APN 66001410022681, as of February 3, 2026 · Last verified August 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 File
Mailing Address	1885 OPTIC RD, GIBBON, NE 68840-3036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 02, 2018	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GOURP
Jun 26, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage EXCHANGE BANK
Mar 29, 2022	Warranty Deed, Transfer · Conventional Mortgage EXCHANGE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 26, 2025 · Amount on Record
Deed Sale	Jun 26, 2025 · Amount on Record
Deed Document Number	20252889
Prior Transfer Date	Mar 24, 2022
Prior Transfer Doc	0000001815
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUFFALO NE
Property Address	1885 OPTIC RD, GIBBON, NE 68840-3036
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201800026
Date	Jan 02, 2018
Instrument	2018-00026

Lender

Name	AMERICAN ADVISORS GOURP
Type	Reverse Mortgage Lender
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUFFALO NE
Recording Date	Jun 26, 2025
Property Address	1885 OPTIC RD, GIBBON, NE 68840-3036
Document Number	0202502889
Instrument Date	Jun 20, 2025
Instrument	2025-02889
Transaction Type	Transfer
Record Updated	Feb 03, 2026
Title Company	NTK

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202502890
Date	Jun 26, 2025
Instrument	2025-02890

Lender

Name	EXCHANGE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Jul 01, 2032

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUFFALO NE
Recording Date	Mar 29, 2022
Property Address	1885 OPTIC RD, GIBBON, NE 68840-3036
Document Number	0202201890
Instrument Date	Mar 17, 2022
Instrument	2022-01890
Transaction Type	Transfer
Record Updated	Feb 03, 2026
Title Company	NEBRASKA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$416.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202201891
Date	Mar 29, 2022
Instrument	2022-01891

Lender

Name	EXCHANGE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Buffalo County assessment roll as of February 3, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Buffalo County
Unified School District	Gibbon Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$179,135 (+6.26%) Land $32,885 Building $146,250	$187,356 (+11.14%) Land $41,106 Building $146,250
2025	$1,812.00 (-3.67%)	$168,575 (+5.63%) Land $32,210 Building $136,365	$168,575 (+5.63%) Land $32,210 Building $136,365
2024	$1,881.00 (-17.97%)	$159,590 (+4.43%) Land $30,885 Building $128,705	$159,590 (+4.43%) Land $30,885 Building $128,705
2023	$2,293.00	$152,820 Land $27,155 Building $125,665	$152,820 Land $27,155 Building $125,665

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Buffalo County (31019C), as of October 24, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 310199691002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	2 (2005–2007)
Most Recent Claim	Apr 2007

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, 2 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
The Nebraska Central Telephone Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

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