2305 28th St, Central City, NE 68826 Property Records

Merrick County property record for 2305 28th St, Central City, NE 68826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,034 sqft · built 1975
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Apr 2019)
Tax Bill	$1,574 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`0003510.00`

Property Details

APN / Parcel Number

Primary APN	`0003510.00`
Alternative APN	`3007-09-0-10180-000-3510`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Building Area	1,034 sqft Living Area
1st Floor Area	1,034 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	570 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2305 28TH ST
City	CENTRAL CITY
State	NE
Zip	68826-9743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	HENSLEYS SUB LOT 17 OUTLOT 44 45-4CC (8250 SQ FT)
Legal Range	06
Legal Township	13
Legal Section	09
Legal Subdivision	HENSLEYS SUB
Legal Lot Number	17
Jurisdiction	MERRICK NE
Township / Civil Division	CENTRAL CITY
Census Block Group	3
Census Block	3029
Census Tract	966800

Owner

Source: Merrick County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2305 28TH ST, CENTRAL CITY, NE 68826-9743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2018	Deed of Trust, Mortgage · ARM ARCHER COOPERATIVE CU
Apr 24, 2019	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2019 · Amount on Record
Deed Sale	Apr 24, 2019 · Amount on Record
Prior Sale	May 3, 2005
Deed Document Number	2019526
Deed Book / Page	47 / 378
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRICK NE
Property Address	2305 28TH ST, CENTRAL CITY, NE 68826-9743
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	229/884
Date	Oct 15, 2018
Book Page	229/884
Instrument	2018-01476

Lender

Name	ARCHER COOPERATIVE CU
Type	Credit Union
Address	CENTRAL CITY, NE 68826

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	9.75%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MERRICK NE
Recording Date	Apr 24, 2019
Property Address	2305 28TH ST, CENTRAL CITY, NE 68826-9743
Document Number	A47/378
Book / Page	A47 / 378
Instrument Date	Apr 10, 2019
Instrument	2019-00526
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	GRAND ISLAND ABSTRACT ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$326.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900527
Date	Apr 24, 2019
Instrument	2019-00527

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Merrick County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Nebraska
Municipality	Central City
County	Merrick County
Unified School District	Central City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$144,200 (+3.48%) Land $21,450 Building $122,750	$144,200 (+3.48%) Land $21,450 Building $122,750
2025	$1,574.00 (-15.38%)	$139,355 (+8.34%) Land $21,450 Building $117,905	$139,355 (+8.34%) Land $21,450 Building $117,905
2023	$1,860.00	$128,630 Land $10,725 Building $117,905	$128,630 Land $10,725 Building $117,905

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 11, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

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

Wildfire Risk	Low lower than 95% of the US · lower than 90% 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	CITY OF CENTRAL CITY serves 3,000 people · EPA ID NE3112102
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2021–2023) action level 15 ppb

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 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable · Fiber in parts of the area	2,000 / 50
Hamilton.net Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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