1902 Clay St, Ashland, NE 68003 Property Records

Saunders County property record for 1902 Clay St, Ashland, NE 68003

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,144 sqft · built 1955
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Sep 2023)
Tax Bill	$3,992 (2023)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3249-02-1-01020-019-8000`

Property Details

APN / Parcel Number

Primary APN	`3249-02-1-01020-019-8000`
Alternative APN	`004638000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	140 ft deep x 44 ft wide
Garage Type	Mixed
Garage Area	1,144 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	288 sqft
Patio Area	288 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1902 CLAY ST
City	ASHLAND
State	NE
Zip	68003-1634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	LOT 12 & BAL LOT 11 BLOCK 19 MILLER & CLARK ADDITION TO ASHLAND; MAP NUMBER: 3249-02-1-01020-019-8000
Legal Range	09
Legal Township	12
Legal Section	02
Legal Subdivision	ASHLAND-MILLER & CLARK
Legal Block	19
Legal Lot Number	11-12
Jurisdiction	SAUNDERS NE
Township / Civil Division	ASHLAND
Census Block Group	2
Census Block	2075
Census Tract	968500

Owner

1902 Clay St is owned and occupied by an individual who bought it in September 2023.

Source: Saunders County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	1902 CLAY ST, ASHLAND, NE 68003-1634
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Nov 13, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NEBRASKA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2023 · Amount on File
Deed Sale	Sep 11, 2023 · Amount on File
Prior Sale	Nov 13, 2018 · Amount on File
Deed Document Number	202397
Deed Book / Page	598 / 1086
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAUNDERS NE
Recording Date	Sep 11, 2023
Property Address	1902 CLAY ST, ASHLAND, NE 68003-1634
Document Number	0005981086
Book / Page	598 / 1086
Instrument Date	Sep 7, 2023
Instrument	2023-09-097
Transaction Type	Transfer
Record Updated	Oct 17, 2023
Title Company	NOT AVAILABLE, CHARTER T&E SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$607.50
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	0202309098
Date	Sep 11, 2023
Instrument	2023-09-098

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAUNDERS NE
Recording Date	Nov 13, 2018
Property Address	1902 CLAY ST, ASHLAND, NE 68003-1634
Document Number	0005101335
Book / Page	510 / 1335
Instrument Date	Oct 29, 2018
Instrument	2018-11-113
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	NEBRASKA LAND TITLE & ABSTRA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$434.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0005101336
Date	Nov 13, 2018
Book Page	510/1336
Instrument	2018-11-114

Lender

Name	FIRST NEBRASKA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Saunders County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Nebraska
Municipality	Ashland City
County	Saunders County
County Subdivision	Ashland Township
Unified School District	Ashland-Greenwood Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$235,856 Land $20,900 Building $214,956	$235,856 Land $20,900 Building $214,956
2023	$3,992.00 (+7.4%)	$231,590 (+13.46%) Land $20,900 Building $210,690	$231,590 (+13.46%) Land $20,900 Building $210,690
2022	$3,717.00	$204,109 Land $20,900 Building $183,209	$204,109 Land $20,900 Building $183,209

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

Flood

FEMA maps place 1902 Clay St in Zone X, an area of minimal flood risk, though there have been 52 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective January 3, 2019 · 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 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	52 (1982–2019)
Claims Outside the SFHA	11 of 52
Most Recent Claim	Mar 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 17 claims Ice Jams & Flooding, Mar 1993 · 2 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

The area around 1902 Clay St has no burnable land within ember reach, so its wildfire risk is not rated.

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	CITY OF ASHLAND serves 3,369 people · EPA ID NE3115506
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2026) action level 15 ppb
Copper	2.46 mg/L (2026) action level 1.3 mg/L

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Allo Communications Fiber	2,300 / 2,300
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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