246 S Main St, West Point, NE 68788 Property Records

Cuming County property record for 246 S Main St, West Point, NE 68788

Property Summary

Property Type	Commercial
Details	5,739 sqft · built 1954
Lot Size	0.14 acres (6,110 sqft)
Owner	2 Individual Names on Record
Last Sale	$55,000 (Dec 2016)
Tax Bill	$1,130 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2023 Second Mortgage
APN	`0002370.00`

Property Details

APN / Parcel Number

Primary APN	`0002370.00`
Alternative APN	`0000-00-0-30125-031-0006`

Interior

Stories	1 Story
Building Area	5,739 sqft Total Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	6,110 sqft (0.14 acres)
Lot Dimensions	130 ft deep x 47 ft wide
Porch	Slab
Porch Area	60 sqft

Location & Zoning

Street Address	246 S MAIN ST
City	WEST POINT
State	NE
Zip	68788-1835
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	03-COMMERC
Legal Description	LTS 13, 14 & S 3' LT 15, BLK 31, WPC
Legal Subdivision	30125
Legal Block	31
Legal Lot Number	13-15
Jurisdiction	CUMING NE
Township / Civil Division	WEST POINT
Census Block Group	4
Census Block	4032
Census Tract	972800

Owner

Source: Cuming County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	343 N MAIN ST, WEST POINT, NE 68788-1419
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Line of Credit CHARTER BANK
Oct 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CHARTER WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2016 · Amount on Record
Deed Sale	Dec 22, 2016 · Amount on Record
Deed Document Number	20161803
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMING NE
Recording Date	Sep 29, 2026
Property Address	246 S MAIN ST, WEST POINT, NE 68788-1835
Document Number	0000001275
Instrument Date	Sep 29, 2026
Instrument	20261275
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	246 S MAIN ST, WEST POINT, NE 68788-1835
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001275,
Date	Sep 29, 2026
Instrument	20261275

Lender

Name	CHARTER BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMING NE
Property Address	246 S MAIN ST, WEST POINT, NE 68788-1835
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	343 N MAIN ST, WEST POINT, NE 68788-1419

Mortgage

Document Number	0202301213
Date	Oct 24, 2023
Instrument	202301213

Lender

Name	CHARTER WEST BANK
Type	Bank
Address	WEST POINT, NE 68788

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cuming County assessment roll, as of February 27, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Cuming County
Municipality	West Point City
Unified School District	West Point Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$142,235 (-4.56%) Land $13,135 Building $129,100	$142,235 (-4.56%) Land $13,135 Building $129,100
2025	$1,130.00 (-17.46%)	$149,030 (+25.53%) Land $13,135 Building $135,895	$149,030 (+25.53%) Land $13,135 Building $135,895
2023	$1,369.00	$118,720 Land $11,305 Building $107,415	$118,720 Land $11,305 Building $107,415

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 80% of the US · lower than 82% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WEST POINT serves 3,550 people · EPA ID NE3103904
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	4 ppb (2026) action level 15 ppb
Copper	1.83 mg/L (2026) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 411 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skywave Wireless Fiber · Fixed Wireless	1,000 / 1,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Stealth Broadband Fixed Wireless	100 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink.

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