232 Spruce St, Colon, NE 68018 Property Records

Saunders County property record for 232 Spruce St, Colon, NE 68018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,724 sqft · built 1898
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$106,733 (Jan 2020)
Tax Bill	$1,391 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2687-03-4-04005-001-6000`

Property Details

APN / Parcel Number

Primary APN	`2687-03-4-04005-001-6000`
Alternative APN	`005316000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,724 sqft Living Area
1st Floor Area	1,128 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	130 ft deep x 145 ft wide
Garage Type	Built-in

Exterior Amenities

Porch	Porch
Porch Area	207 sqft
Deck Area	Deck Area
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	232 SPRUCE ST
City	COLON
State	NE
Zip	68018-4092
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	LOTS 19-24 BLOCK 1 ORIGINAL TOWN COLON; MAP NUMBER: 2687-03-4-04005-001-6000
Legal Range	07
Legal Township	15
Legal Section	03
Legal Subdivision	COLON-O.T.
Legal Block	1
Legal Lot Number	19-24
Jurisdiction	SAUNDERS NE
Township / Civil Division	CENTER
Census Block Group	2
Census Block	2214
Census Tract	968100

Owner

Source: Saunders County records, as of June 2, 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	232 SPRUCE ST, COLON, NE 68018-4092
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage SECURITY FIRST BANK
Jan 16, 2020	Deed, Transfer · Conventional Mortgage SECURITY FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Deed Document Number	20201221
Deed Book / Page	528 / 1268
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAUNDERS NE
Recording Date	Jul 20, 2026
Property Address	232 SPRUCE ST, COLON, NE 68018-4092
Document Number	0000000241
Book / Page	639 / 406
Instrument Date	Jun 19, 2026
Instrument	2026241
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	STERLING TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$81,482.76
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 SPRUCE ST, COLON, NE 68018-4092

Mortgage

Document Number	0000000242,
Date	Jul 20, 2026
Book Page	639/407
Instrument	202607242

Lender

Name	PLAINS COMMERCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Property Address	232 SPRUCE ST, COLON, NE 68018-4092
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0005681281
Date	Oct 6, 2021
Book Page	568/1281
Instrument	2021-10-127

Lender

Name	SECURITY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SAUNDERS NE
Recording Date	Jan 16, 2020
Property Address	232 SPRUCE ST, COLON, NE 68018-4092
Document Number	0005281268
Book / Page	528 / 1268
Instrument Date	Jan 14, 2020
Instrument	2020-01-221
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	HOMESERVICES TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.15
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	0005281270
Date	Jan 16, 2020
Book Page	528/1270
Instrument	2020-01-222

Lender

Name	SECURITY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Nebraska
Municipality	Colon Village
County	Saunders County
County Subdivision	Center Township
Unified School District	Wahoo Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,391.00 (-19.83%)	$108,938 (+5.83%) Land $13,540 Building $95,398	$108,938 (+5.83%) Land $13,540 Building $95,398
2023	$1,735.00	$102,937 Land $12,983 Building $89,954	$102,937 Land $12,983 Building $89,954

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 January 3, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (1994–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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 97% of the US · lower than 93% 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	LOWER PLATTE NORTH RWD - COLON serves 128 people · EPA ID NE3121234
Water Source	Purchased groundwater from CITY OF WAHOO
Last State Inspection	Mar 2025
Lead	1 ppb (2024–2026) action level 15 ppb
Copper	1.48 mg/L (2015–2017) action level 1.3 mg/L

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fixed Wireless	200 / 20
GigFire Fixed Wireless	150 / 130
Nextlink Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	50 / 10

Cell Coverage

5G and 4G LTE (outdoors only)

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