23701 Oak St, Waterloo, NE 68069 Property Records

Douglas County property record for 23701 Oak St, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,473 sqft · built 1975
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Oct 2017)
Tax Bill	$3,004 (2024)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`6042-0000-07`

Property Details

APN / Parcel Number

Primary APN	`6042-0000-07`
Alternative APNs	`R0760420000` `0760420000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,473 sqft Living Area
Gross Area	1,988 sqft
1st Floor Area	1,028 sqft
Basement Area	960 sqft
Finished Basement	445 sqft
Unfinished Basement	515 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Garage Type	Basement
Garage Area	1 sqft
Porch	Open Slab
Porch Area	684 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Wood

Location & Zoning

Account Number	R0760420000
Street Address	23701 OAK ST
City	WATERLOO
State	NE
Zip	68069-9529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR HOLLOW LOT 43 BLOCK 0 60 X 125.02
Legal Subdivision	CEDAR HOLLOW
Legal Lot Number	43
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2047
Census Tract	7508

Owner

Source: Douglas County records, as of October 14, 2025

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	23701 OAK ST, WATERLOO, NE 68069-9529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage BELAY BK
Oct 20, 2017	Survivorship Deed, Transfer · FHA Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2017 · Amount on Record
Deed Sale	Oct 20, 2017 · Amount on Record
Prior Sale	Dec 24, 2013 · Amount on Record
Deed Document Number	201784762
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	23701 OAK ST, WATERLOO, NE 68069-9529
Document Number	0000092332
Instrument Date	Aug 13, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23701 OAK ST WATERLOO NE 680699529, WATERLOO, NE 68069-9529

Mortgage

Document Number	0000092332
Date	Aug 24, 2020
Instrument	92332

Lender

Name	BELAY BK
Address	HAZELWOOD, MO 63042

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2050

October 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	DOUGLAS NE
Recording Date	Oct 20, 2017
Property Address	23701 OAK ST, WATERLOO, NE 68069-9529
Document Number	2017084762
Instrument Date	Oct 3, 2017
Instrument	2017084762
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	AMBASSDOR TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$330.75
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
Relationship	Joint Tenants with Right of Survivorship
Address	00000

Mortgage

Document Number	2017084763
Date	Oct 20, 2017
Instrument	2017084763

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Mortgage

Document Number	2017084764
Date	Oct 20, 2017
Instrument	2017084764

Lender

Name	BUSEY BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of October 14, 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		$227,400 (+28.4%) Land $20,000 Building $207,400	$227,400 (+28.4%) Land $20,000 Building $207,400
2024	$3,004.00 (+3.37%)
2023	$2,906.00 (-8.65%)	$177,100 Land $20,000 Building $157,100	$177,100 Land $20,000 Building $157,100
2022	$3,181.00

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 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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