23705 Oak St, Waterloo, NE 68069 Property Records

Douglas County property record for 23705 Oak St, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 988 sqft · built 1975
Lot Size	0.18 acres (7,875 sqft)
Owner	Individual Name on Record
Last Sale	$216,000 (Nov 2021)
Tax Bill	$2,786 (2024)
Deeds & Mortgages	Nov 2020 Line of Credit Nov 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`R0760440000`

Property Details

APN / Parcel Number

Primary APN	`R0760440000`
Alternative APNs	`6044 0000 07` `0760440000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
Basement Area	920 sqft
Finished Basement	350 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,875 sqft (0.18 acres)
Lot Dimensions	125 ft deep x 63 ft wide
Garage Type	Basement

Exterior Amenities

Porch	Porch
Porch Area	54 sqft
Deck Area	60 sqft
Patio Area	60 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0760440000
Street Address	23705 OAK ST
City	WATERLOO
State	NE
Zip	68069-9529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR HOLLOW LOT 45 BLOCK 0 IRREG
Legal Subdivision	CEDAR HOLLOW
Legal Lot Number	45
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2047
Census Tract	7508

Owner

Source: Douglas County records, as of March 16, 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	23705 OAK ST, WATERLOO, NE 68069-9529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF OMAHA
Nov 18, 2021	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Jul 9, 2021	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Feb 8, 2017	Survivorship Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2021 · Amount on Record
Deed Sale	Nov 18, 2021 · Amount on Record
Prior Sale	Jul 9, 2021 · Amount on Record
Deed Document Number	2021151599
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	23705 OAK ST, WATERLOO, NE 68069-9529
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000139925
Date	Nov 30, 2020
Instrument	2020139925

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Nov 18, 2021
Property Address	23705 OAK ST, WATERLOO, NE 68069-9529
Document Number	0000151599
Instrument Date	Nov 8, 2021
Instrument	2021151599
Transaction Type	Transfer
Record Updated	Jan 6, 2022
Title Company	RTS TITLE AND ESCROW, RTS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$486.00
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	0000151600
Date	Nov 18, 2021
Instrument	2021151600

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jul 9, 2021
Property Address	23705 OAK ST, WATERLOO, NE 68069-9529
Document Number	2021090641
Instrument Date	Jun 29, 2021
Instrument	2021090641
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	RTS TITLE AND ESCROW, RTS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$371.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	2021090642
Date	Jul 9, 2021
Instrument	2021090642

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

February 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	DOUGLAS NE
Recording Date	Feb 8, 2017
Property Address	23705 OAK ST, WATERLOO, NE 68069-9529
Document Number	2017010351
Instrument Date	Jan 24, 2017
Instrument	2017010351
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	PLATINUM TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$263.25
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	2017010352
Date	Feb 8, 2017
Instrument	2017010352

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

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		$211,600 (+28.63%) Land $20,000 Building $191,600	$211,600 (+28.63%) Land $20,000 Building $191,600
2024	$2,786.00 (+3.22%)
2023	$2,699.00 (-8.63%)	$164,500 Land $20,000 Building $144,500	$164,500 Land $20,000 Building $144,500
2022	$2,954.00

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 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.

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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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