204 Washington St, Waterloo, NE 68069 Property Records

Douglas County property record for 204 Washington St, Waterloo, NE 68069

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,366 sqft · built 1976
Lot Size	0.144 acres (6,274 sqft)
Owner	Company Name on File
Last Sale	$300,000 (Sep 2021)
Tax Bill	$2,528 (2024)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`R2411070001`

Property Details

APN / Parcel Number

Primary APN	`R2411070001`
Alternative APNs	`1107 0001 24` `2411070001`

Interior

Units	2 Units
Stories	1 Story
Building Area	2,366 sqft Total Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1984
Roof Type	Flat
Lot Area	6,274 sqft (0.144 acres)

Exterior Amenities

Porch	Porch
Porch Area	448 sqft
Canopy	448 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R2411070001
Street Address	204 WASHINGTON ST
City	WATERLOO
State	NE
Zip	68069-2012
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	WATERLOO-TOWN OF- LOT 9 BLOCK 2 E 18.4 FT LT 8 & W 1/2
Legal Subdivision	WATERLOOTOWN OF
Legal Block	2
Legal Lot Number	8-9
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2005
Census Tract	7508

Owner

204 Washington St, a commercial property, is owned by a company that bought it in September 2021.

Source: Douglas County records, as of March 16, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 226, WATERLOO, NE 68069-0226
Owner Type	Company

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 1, 2022	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Sep 16, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage AMERICAN INTERSTATE BANK
Dec 21, 2018	Warranty Deed, Transfer · Line of Credit ENTERPRISE BANK
Sep 13, 2018	Grant Deed, Transfer AMBASSADOR TITLE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2021 · Amount on File
Deed Sale	Sep 16, 2021 · Amount on File
Prior Sale	Dec 21, 2018 · Amount on File
Deed Document Number	2021122713
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	204 WASHINGTON ST, WATERLOO, NE 68069-2012
Transaction Type	Mortgage
Record Updated	Jun 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033059
Date	Apr 1, 2022
Instrument	2022033059

Lender

Name	COGENT BANK
Type	Bank
Address	ELKHORN, NE 68022

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Sep 16, 2021
Property Address	204 WASHINGTON ST, WATERLOO, NE 68069-2012
Document Number	2021122713
Instrument Date	Sep 16, 2021
Instrument	2021122713
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$675.00
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	2021122714
Date	Sep 16, 2021
Instrument	2021122714

Lender

Name	AMERICAN INTERSTATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 15, 2022

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Dec 21, 2018
Property Address	204 WASHINGTON ST, WATERLOO, NE 68069-2012
Document Number	2018100856
Instrument Date	Dec 13, 2018
Instrument	2018100856
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	AMBASSADOR TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000
Investor	Possibly a Property Investor

Mortgage

Document Number	2018100857
Date	Dec 21, 2018
Instrument	2018100857

Lender

Name	ENTERPRISE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DOUGLAS NE
Recording Date	Sep 13, 2018
Property Address	204 WASHINGTON ST, WATERLOO, NE 68069-2012
Document Number	0000073173
Instrument Date	Aug 23, 2018
Instrument	73173
Transaction Type	Transfer
Record Updated	Nov 5, 2018
Title Company	AMBASSADOR TITLE SERVICES INC

Transaction

Amount	Amount on Record
Tax	$247.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	204 WASHINGTON ST WATERLOO NE 680692012, WATERLOO, NE 68069-2012

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Nebraska
County	Douglas County
Municipality	Waterloo Village
Unified School District	Douglas County West Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$191,100 Land $17,300 Building $173,800	$191,100 Land $17,300 Building $173,800
2024	$2,528.00 (-18.08%)
2023	$3,086.00 (-8.64%)	$188,100 Land $17,300 Building $170,800	$188,100 Land $17,300 Building $170,800
2022	$3,378.00

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

Flood

FEMA maps place 204 Washington St in Zone X, where a levee reduces flood risk, though there have been 38 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 57 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	38 (1978–2024)
Claims Outside the SFHA	2 of 38
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 14 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

Wildfire risk around 204 Washington St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.5% of Nebraska
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	VILLAGE OF WATERLOO serves 962 people · EPA ID NE3105517
Water Source	Purchased surface water from METROPOLITAN UTILITIES DISTRICT
Last State Inspection	Oct 2025
Lead	12 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Nextlink Fixed Wireless	500 / 200
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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