20340 S 190th St, Adams, NE 68301 Property Records

Otoe County property record for 20340 S 190th St, Adams, NE 68301

Property Summary

Property Type	Mobile Home
Details	2 bd · 3 ba · 1,428 sqft · built 2003
Lot Size	11 acres (479,160 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Jul 2024)
Tax Bill	$2,216 (2025)
Deeds & Mortgages	Sep 2022 Mortgage May 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`999554232`

Property Details

APN / Parcel Number

Primary APN	`999554232`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	1,428 sqft
Basement Area	1,428 sqft
Finished Basement	1,428 sqft
Unfinished Basement	1,428 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Mobile Home
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Built-Up Asphalt
Lot Area	479,160 sqft (11 acres)

Exterior Amenities

Porch	Open Porch
Deck Area	Deck Area
Patio Area	30 sqft
Shed	1 Shed
Shed Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	20340 S 190TH ST
City	ADAMS
State	NE
Zip	68301-3030
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AGRICULTUR
Legal Description	31-8-9 TRACT C 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	C
Jurisdiction	OTOE NE
Township / Civil Division	SOUTH PALMYRA
Census Block Group	1
Census Block	1028
Census Tract	966800

Owner

20340 S 190th St, a mobile home, is owned and occupied by an individual who bought it in July 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	20340 S 190TH ST, ADAMS, NE 68301-3030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN FEDERAL SAVINGS BANK OF NEBRASKA
May 2, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 3, 2024	Warranty Deed, Transfer · VA Mortgage CHARTER WEST BANK
Dec 3, 2012	Warranty Deed, Transfer · Conventional Mortgage HOMESERVICES LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2024 · Amount on File
Deed Sale	Jul 3, 2024 · Amount on File
Prior Sale	Dec 3, 2012 · Amount on File
Deed Document Number	20241354
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	20340 S 190TH ST, ADAMS, NE 68301-3030
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202202294
Date	Sep 19, 2022
Instrument	202202294

Lender

Name	LINCOLN FEDERAL SAVINGS BANK OF NEBRASKA
Type	Bank
Address	LINCOLN, NE 68520

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	20340 S 190TH ST, ADAMS, NE 68301-3030
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20340 S 190TH ST, ADAMS, NE 68301-3030

Mortgage

Document Number	0202500967
Date	May 2, 2025
Instrument	202500967

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2055

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTOE NE
Recording Date	Jul 3, 2024
Property Address	20340 S 190TH ST, ADAMS, NE 68301-3030
Document Number	0202401354
Instrument Date	Jun 28, 2024
Instrument	202401354
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	NEBRASKA TITLE COMPANY-PA, NEBRASKA TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$978.75
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 with Right of Survivorship

Mortgage

Document Number	0202401355
Date	Jul 3, 2024
Instrument	202401355

Lender

Name	CHARTER WEST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

December 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTOE NE
Recording Date	Dec 3, 2012
Property Address	20340 S 190TH ST, ADAMS, NE 68301-3030
Document Number	0201203375
Instrument Date	Nov 27, 2012
Instrument	201203375
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0201203376
Date	Dec 3, 2012
Instrument	201203376

Lender

Name	HOMESERVICES LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 20340 S 190th St was $2,216.

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	$2,216.00	$290,732 Land $88,000 Building $202,732	$290,732 Land $88,000 Building $202,732
2023	$3,676.00	$247,547 Land $80,000 Building $167,547	$247,547 Land $80,000 Building $167,547

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

Flood

FEMA maps place 20340 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 20340 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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