23707 Elm Cir, Waterloo, NE 68069 Property Records

Douglas County property record for 23707 Elm Cir, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 900 sqft · built 1975
Lot Size	0.184 acres (8,024 sqft)
Owner	Individual Name on File
Tax Bill	$2,200 (2024)
Deeds & Mortgages	Nov 2025 Construction Loan Sep 2021 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`R0760220000`

Property Details

APN / Parcel Number

Primary APN	`R0760220000`
Alternative APNs	`6022 0000 07` `0760220000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
Basement Area	836 sqft
Finished Basement	315 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,024 sqft (0.184 acres)
Lot Dimensions	118 ft deep x 68 ft wide
Garage Type	Basement
Porch	Porch
Porch Area	74 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0760220000
Street Address	23707 ELM CIR
City	WATERLOO
State	NE
Zip	68069-9513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR HOLLOW LOT 23 BLOCK 0 IRREG
Legal Subdivision	CEDAR HOLLOW
Legal Lot Number	23
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2084
Census Tract	7508

Owner

23707 Elm Cir is owned and occupied by an individual who acquired it in June 2008.

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

Owner of Record	Individual Name on File
Mailing Address	23707 ELM CIR, WATERLOO, NE 68069-9513
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
Nov 12, 2025	Deed of Trust, Mortgage · Construction Mortgage US BANK NA
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2008
Deed Sale	Jun 27, 2008
Deed Document Number	0200865154
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	23707 ELM CIR, WATERLOO, NE 68069-9513
Transaction Type	Mortgage
Record Updated	Nov 25, 2025
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23707 ELM CIR, WATERLOO, NE 68069-9513

Mortgage

Document Number	0000092061
Date	Nov 12, 2025
Instrument	2025092061

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	119 Months
Due	Oct 7, 2035

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	23707 ELM CIR, WATERLOO, NE 68069-9513
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021122278
Date	Sep 15, 2021
Instrument	2021122278

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

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		$167,900 Land $20,000 Building $147,900	$167,900 Land $20,000 Building $147,900
2024	$2,200.00 (-5.62%)
2023	$2,331.00 (-8.66%)	$142,100 Land $20,000 Building $122,100	$142,100 Land $20,000 Building $122,100
2022	$2,552.00

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

Flood

FEMA maps place 23707 Elm Cir 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 23707 Elm Cir 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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