23702 Oak St, Waterloo, NE 68069 Property Records

Douglas County property record for 23702 Oak St, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,004 sqft · built 1975
Lot Size	0.191 acres (8,349 sqft)
Owner	Individual Name on File
Last Sale	$187,000 (Oct 2020)
Tax Bill	$3,047 (2024)
Deeds & Mortgages	May 2020 Line of Credit Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`R0760330000`

Property Details

APN / Parcel Number

Primary APN	`R0760330000`
Alternative APNs	`6033 0000 07` `0760330000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,004 sqft Living Area
Basement Area	920 sqft
Finished Basement	350 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,349 sqft (0.191 acres)
Lot Dimensions	121 ft deep x 69 ft wide
Garage Type	Basement

Exterior Amenities

Porch	Porch
Porch Area	104 sqft
Deck Area	225 sqft
Patio Area	80 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0760330000
Street Address	23702 OAK ST
City	WATERLOO
State	NE
Zip	68069-9527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR HOLLOW LOT 34 BLOCK 0 IRREG
Legal Subdivision	CEDAR HOLLOW
Legal Lot Number	34
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2084
Census Tract	7508

Owner

23702 Oak St is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	23702 OAK ST, WATERLOO, NE 68069-9527
Occupancy	Owner Occupied
Owner Type	Individual

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
May 11, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 10, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 7, 2020	Warranty Deed, Transfer · Conventional Mortgage CENTRIS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2020 · Amount on File
Deed Sale	Oct 7, 2020 · Amount on File
Prior Sale	Jul 28, 2014 · Amount on File
Deed Document Number	2020114743
Deed Book / Page	2020 / 114743
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	23702 OAK ST, WATERLOO, NE 68069-9527
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020044020
Date	May 11, 2020
Instrument	2020044020

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 27, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	23702 OAK ST, WATERLOO, NE 68069-9527
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019108676
Date	Dec 10, 2019
Instrument	2019108676

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Oct 7, 2020
Property Address	23702 OAK ST, WATERLOO, NE 68069-9527
Document Number	2020114743
Instrument Date	Sep 11, 2020
Instrument	2020114743
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.75
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	2020114753
Date	Oct 7, 2020
Instrument	2020114753

Lender

Name	CENTRIS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

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		$220,100 Land $20,000 Building $200,100	$220,100 Land $20,000 Building $200,100
2024	$3,047.00 (+2.39%)
2023	$2,976.00 (-8.66%)	$181,400 Land $20,000 Building $161,400	$181,400 Land $20,000 Building $161,400
2022	$3,258.00

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

Flood

FEMA maps place 23702 Oak St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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 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 23702 Oak 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.

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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