20266 S 190th St, Adams, NE 68301 Property Records

Otoe County property record for 20266 S 190th St, Adams, NE 68301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,742 sqft · built 2000
Lot Size	11 acres (479,160 sqft)
Owner	Individual Name on File
Last Sale	$216,000 (Apr 2012)
Tax Bill	$2,468 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit Apr 2021 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`999554191`

Property Details

APN / Parcel Number

Primary APN	`999554191`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,742 sqft Living Area
1st Floor Area	1,742 sqft
Basement Area	1,742 sqft
Finished Basement	1,742 sqft
Unfinished Basement	1,742 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Built-Up Asphalt
Lot Area	479,160 sqft (11 acres)
Porch	Open Porch
Deck Area	Deck Area
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	20266 S 190TH ST
City	ADAMS
State	NE
Zip	68301-3024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRICULTUR
Legal Description	31-8-9 TRACT B IN W1/2 SW1/4 11 AC SOUTH PALMYRA; MAP NUMBER: 3699-31-0-00000-000-0000
Legal Range	09
Legal Township	08
Legal Section	31
Legal Subdivision	RURAL AG
Legal Tract	B
Jurisdiction	OTOE NE
Township / Civil Division	SOUTH PALMYRA
Census Block Group	1
Census Block	1028
Census Tract	966800

Owner

20266 S 190th St is owned and occupied by an individual who bought it in April 2012.

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

Owner of Record	Individual Name on File
Mailing Address	20266 S 190TH ST, ADAMS, NE 68301-3024
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
Apr 28, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Apr 16, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CENTRIS FCU
Jul 3, 2023	Deed of Trust, Mortgage · Line of Credit CENTRIS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2012 · Amount on File
Deed Sale	Apr 23, 2012 · Amount on File
Prior Sale	Aug 15, 2005 · Amount on File
Deed Document Number	20121140
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	20266 S 190TH ST, ADAMS, NE 68301-3024
Transaction Type	Mortgage
Record Updated	Mar 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202000953
Date	Apr 28, 2020
Instrument	202000953

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	20266 S 190TH ST, ADAMS, NE 68301-3024
Transaction Type	Mortgage
Record Updated	Mar 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202101198
Date	Apr 16, 2021
Instrument	202101198

Lender

Name	CENTRIS FCU
Type	Credit Union
Address	OMAHA, NE 68144

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	47 Months
Due	Mar 20, 2025

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	20266 S 190TH ST, ADAMS, NE 68301-3024
Transaction Type	Mortgage
Record Updated	Mar 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202301289
Date	Jul 3, 2023
Instrument	202301289

Lender

Name	CENTRIS FCU
Type	Credit Union
Address	OMAHA, NE 68144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 20266 S 190th St was $2,468.

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

Property Jurisdictions

Type	Name
State	Nebraska
County	Otoe County
Unified School District	Sterling Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,468.00	$323,851 Land $88,000 Building $235,851	$323,851 Land $88,000 Building $235,851
2023	$4,083.00	$274,918 Land $80,000 Building $194,918	$274,918 Land $80,000 Building $194,918

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

Flood

FEMA maps place 20266 S 190th St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective February 18, 2011 · 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 Claims	5 (1978–1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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

Wildfire risk around 20266 S 190th St is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · above 41% of Nebraska
Wildfire Likelihood	0.09% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Windstream Fixed Wireless	100 / 10

May also be available: AT&T, Big Red Communications, T-Mobile.

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