Douglas County property record for 23712 Oak St, Waterloo, NE 68069
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1975 |
| Lot Size | 0.195 acres (8,515 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $103,000 (Jun 2002) |
| Tax Bill | $2,741 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Feb 2017 Line of Credit |
| Flood Zone | Zone X (reduced by levee) |
| APN | R0760280000 |
| Primary APN | R0760280000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Basement Area | 920 sqft |
| Finished Basement | 322 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,515 sqft (0.195 acres) |
| Lot Dimensions | 131 ft deep x 65 ft wide |
| Garage Type | Basement |
| Porch | Porch |
| Porch Area | 48 sqft |
| Deck Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R0760280000 |
|---|---|
| Street Address | 23712 OAK ST |
| City | WATERLOO |
| State | NE |
| Zip | 68069-9527 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WATERLOO |
| Legal Description | CEDAR HOLLOW LOT 29 BLOCK 0 IRREG |
| Legal Subdivision | CEDAR HOLLOW |
| Legal Lot Number | 29 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2084 |
| Census Tract | 7508 |
23712 Oak St is owned and occupied by two individuals who bought it in June 2002.
Source: Douglas County records, as of March 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23712 OAK ST, WATERLOO, NE 68069-9527 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GATEWAY FIRST BANK |
| Feb 27, 2017 | Deed of Trust, Mortgage · Line of Credit MUTUAL FIRST FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2002 · Amount on File |
| Deed Sale | Jun 7, 2002 · Amount on File |
| Deed Document Number | 2002 07811 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 23712 OAK ST, WATERLOO, NE 68069-9527 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009546 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 2021009546 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | JENKS, OK 74037 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 23712 OAK ST, WATERLOO, NE 68069-9527 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000015104 |
|---|---|
| Date | Feb 27, 2017 |
| Instrument | 2017015104 |
| Name | MUTUAL FIRST FCU |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68137 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
Source: Douglas County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Municipality | Waterloo Village |
| Unified School District | Douglas County West Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $213,500 Land $20,000 Building $193,500 | $213,500 Land $20,000 Building $193,500 | |
| 2024 | $2,741.00 (+3.24%) | ||
| 2023 | $2,655.00 (-8.64%) | $161,800 Land $20,000 Building $141,800 | $161,800 Land $20,000 Building $141,800 |
| 2022 | $2,906.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23712 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 |
|
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 risk around 23712 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.
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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