206 W Cedar St, Cedar Bluffs, NE 68015 Property Records

Saunders County property record for 206 W Cedar St, Cedar Bluffs, NE 68015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,312 sqft · built 1925
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Nov 2025)
Tax Bill	$2,862 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2393-34-3-02015-012-2500`

Property Details

APN / Parcel Number

Primary APN	`2393-34-3-02015-012-2500`
Alternative APN	`005002500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,312 sqft Living Area
1st Floor Area	984 sqft
Basement Area	984 sqft
Finished Basement	984 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	140 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	124 sqft
Deck Area	Deck Area
Patio Area	30 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	206 W CEDAR ST
City	CEDAR BLUFFS
State	NE
Zip	68015-3123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	LOTS 3-4 E 1/2 LOT 5 BLK 12 BLKS 9-12 ADDITION CEDAR BLUFFS; MAP NUMBER: 2393-34-3-02015-012-2500
Legal Range	07
Legal Township	17
Legal Section	34
Legal Subdivision	CEDAR BLUFFS 9-12 ADD
Legal Tract	20
Legal Block	12
Legal Lot Number	3-5
Jurisdiction	SAUNDERS NE
Township / Civil Division	NORTH CEDAR
Census Block Group	3
Census Block	3057
Census Tract	968100

Owner

206 W Cedar St is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	206 W CEDAR ST, CEDAR BLUFFS, NE 68015-3123
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 24, 2025	Deed of Trust, Mortgage · Closed-End Mortgage FIRST COMMUNITY BANK
Aug 26, 2024	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY BANK LEXINGTON
Nov 13, 2025	Warranty Deed, Construction Loan · Construction Mortgage FIRST COMMUNITY BANK (LEXINGTON)
Sep 15, 2017	Warranty Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2025 · Amount on File
Deed Sale	Nov 13, 2025 · Amount on File
Prior Sale	Jul 18, 2022 · Amount on File
Deed Document Number	2025152
Deed Book / Page	628 / 288
Transfer Doc	0003570749
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Property Address	206 W CEDAR ST, CEDAR BLUFFS, NE 68015-3123
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 W CEDAR ST, CEDAR BLUFFS, NE 68015-3123

Mortgage

Document Number	0006260097
Date	Sep 24, 2025
Book Page	626/97
Instrument	2025-09-282

Lender

Name	FIRST COMMUNITY BANK
Type	Bank
Address	ALLEN, NE 68710

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 24, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Property Address	206 W CEDAR ST, CEDAR BLUFFS, NE 68015-3123
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 W CEDAR ST, CEDAR BLUFFS, NE 68015-3123

Mortgage

Document Number	0006100756
Date	Aug 26, 2024
Book Page	610/756
Instrument	2024-08-302

Lender

Name	FIRST COMMUNITY BANK LEXINGTON
Type	Bank
Address	BEEMER, NE 68716

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Sep 15, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SAUNDERS NE
Recording Date	Nov 13, 2025
Property Address	206 W CEDAR ST, CEDAR BLUFFS, NE 68015-3123
Document Number	0006280288
Book / Page	628 / 288
Instrument Date	Nov 13, 2025
Instrument	2025-11-152
Transaction Type	Construction Loan
Record Updated	Jan 13, 2026
Title Company	DODGE COUNTY LAND TITLE COMPANY, DODGE COUNTY T&E CO LLC

Transaction

Amount	Amount on Record
Tax	$904.80
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	0202511153
Date	Nov 13, 2025
Instrument	2025-11-153

Lender

Name	FIRST COMMUNITY BANK (LEXINGTON)
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 10, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAUNDERS NE
Recording Date	Sep 15, 2017
Property Address	206 W CEDAR ST, CEDAR BLUFFS, NE 68015-3123
Document Number	0004940944
Book / Page	000494 / 000944
Instrument Date	Sep 5, 2017
Instrument	168
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	NEBRASKA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 W CEDAR ST CEDAR BLUFFS NE 680153123, CEDAR BLUFFS, NE 68015-3123

Mortgage

Document Number	4940945
Date	Sep 15, 2017
Book Page	000494/000945
Instrument	169

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 206 W Cedar St was $2,862, up 13.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Nebraska
Municipality	Cedar Bluffs Village
County	Saunders County
County Subdivision	North Cedar Township
Unified School District	Cedar Bluffs Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,862.00 (+13.48%)	$208,707 (+10.99%) Land $22,750 Building $185,957	$208,707 (+10.99%) Land $22,750 Building $185,957
2024	$2,522.00 (-27.3%)	$188,045 (+1.49%) Land $22,750 Building $165,295	$188,045 (+1.49%) Land $22,750 Building $165,295
2023	$3,469.00	$185,290 Land $22,750 Building $162,540	$185,290 Land $22,750 Building $162,540

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 206 W Cedar St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1980.

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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	15 (1980–2019)
Most Recent Claim	Mar 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 4 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 206 W Cedar St is low, with 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 96% of the US · lower than 91% of Nebraska
Wildfire Likelihood	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 CEDAR BLUFFS serves 600 people · EPA ID NE3115504
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2023–2025) 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	300 / 100
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures