23714 Oak St, Waterloo, NE 68069 Property Records

Douglas County property record for 23714 Oak St, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,028 sqft · built 1974
Lot Size	0.286 acres (12,495 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (May 2025)
Tax Bill	$3,036 (2024)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`R0760270000`

Property Details

APN / Parcel Number

Primary APN	`R0760270000`
Alternative APNs	`6027 0000 07` `0760270000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,028 sqft Living Area
Basement Area	960 sqft
Finished Basement	400 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,495 sqft (0.286 acres)
Lot Dimensions	147 ft deep x 85 ft wide
Garage Type	Basement

Exterior Amenities

Porch	Porch
Porch Area	200 sqft
Deck Area	115 sqft
Patio Area	156 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0760270000
Street Address	23714 OAK ST
City	WATERLOO
State	NE
Zip	68069-9527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR HOLLOW LOT 28 BLOCK 0 IRREG
Legal Subdivision	CEDAR HOLLOW
Legal Lot Number	28
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2084
Census Tract	7508

Owner

23714 Oak St is owned by an individual who bought it in May 2025.

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

Owner of Record	Individual Name on File
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
Feb 8, 2021	Warranty Deed, Transfer · Conventional Mortgage CHARTER WEST BANK
Sep 23, 2019	Deed of Trust, Mortgage · VA Mortgage COBALT CU
Jul 16, 2018	Warranty Deed, Transfer · VA Mortgage SAC FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2025 · Amount on File
Deed Sale	May 19, 2025 · Amount on File
Prior Sale	Feb 8, 2021 · Amount on File
Deed Document Number	2025036359
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Feb 8, 2021
Property Address	23714 OAK ST, WATERLOO, NE 68069-9527
Document Number	2021016714
Instrument Date	Feb 1, 2021
Instrument	2021016714
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	PLATINUM TITLE AND ESCROW LLC, PLATINUM TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$427.50
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	2021016715
Date	Feb 8, 2021
Instrument	2021016715

Lender

Name	CHARTER WEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	23714 OAK ST, WATERLOO, NE 68069-9527
Document Number	0000081749
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23714 OAK ST WATERLOO NE 680699527, WATERLOO, NE 68069-9527

Mortgage

Document Number	0000081749
Date	Sep 30, 2019
Instrument	81749

Lender

Name	COBALT CU
Address	PAPILLION, NE 68046

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jul 16, 2018
Property Address	23714 OAK ST, WATERLOO, NE 68069-9527
Document Number	2018055199
Instrument Date	Jul 5, 2018
Instrument	2018055199
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	NEBRASKA TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$353.25
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
Address	00000

Mortgage

Document Number	2018055200
Date	Jul 16, 2018
Instrument	2018055200

Lender

Name	SAC FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

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		$232,200 Land $20,000 Building $212,200	$232,200 Land $20,000 Building $212,200
2024	$3,036.00 (+3.3%)
2023	$2,939.00 (-8.64%)	$179,100 Land $20,000 Building $159,100	$179,100 Land $20,000 Building $159,100
2022	$3,217.00

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

Flood

FEMA maps place 23714 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 23714 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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