25220 Spencer St, Waterloo, NE 68069 Property Records

Douglas County property record for 25220 Spencer St, Waterloo, NE 68069

Property Summary

Property Type	Residential Vacant Land
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$222,000 (Oct 2024)
Tax Bill	$694 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2023 Sale + 2 more
Flood Zone	Zone AO (high risk)
APN	`R0500290104`

Property Details

APN / Parcel Number

Primary APN	`R0500290104`
Alternative APNs	`0029 0104 05` `0500290104`

Exterior

Lot Area	130,680 sqft (3 acres)

Location & Zoning

Account Number	R0500290104
Street Address	25220 SPENCER ST
City	WATERLOO
State	NE
Zip	68069-3050
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	ACREAGE THE LOT 3 BLOCK 0 LOT 3 3.002 AC
Legal Subdivision	ACREAGE THE
Legal Lot Number	3
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2015
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
Co-owner	2 Co-owners on Record
Mailing Address	5810 N 157TH ST, OMAHA, NE 68116-8519
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Aug 15, 2023	Warranty Deed, Transfer GREEN TITLE AND ESCROW, GREEN TITLE & ESCROW
May 4, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage COLUMBUS BANK & TRUST CO
Nov 30, 2020	Warranty Deed, Transfer · Conventional Mortgage DUNDEE BANK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 31, 2024 · Amount on Record
Deed Sale	Oct 31, 2024 · Amount on Record
Prior Sale	Aug 15, 2023 · Amount on Record
Deed Document Number	2024077787
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	25220 SPENCER ST, WATERLOO, NE 68069-3050
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	UNKNOWN, DRI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000087356
Date	Oct 28, 2025
Instrument	2025087356

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Nov 1, 2028

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Aug 15, 2023
Property Address	25220 SPENCER ST, WATERLOO, NE 68069-3050
Document Number	0000060749
Instrument Date	Aug 7, 2023
Instrument	2023060749
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	GREEN TITLE AND ESCROW, GREEN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$483.75
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

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	May 4, 2022
Property Address	25220 SPENCER ST, WATERLOO, NE 68069-3050
Document Number	0000045174
Instrument Date	Apr 21, 2022
Instrument	2022045174
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	ENCOMPASS TITLE, ENCOMPASS T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$407.25
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	0000045175
Date	May 4, 2022
Instrument	2022045175

Lender

Name	COLUMBUS BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Nov 30, 2020
Property Address	25220 SPENCER ST, WATERLOO, NE 68069-3050
Document Number	0000140475
Instrument Date	Sep 23, 2020
Instrument	2020140475
Transaction Type	Transfer
Record Updated	Dec 9, 2022
Title Company	ENCOMPASS T&E LLC

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

Mortgage

Document Number	0000140476
Date	Nov 30, 2020
Instrument	2020140476

Lender

Name	DUNDEE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	25 Months
Due	Dec 1, 2022

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Nebraska
County	Douglas County
Unified School District	Douglas County West Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$77,100 (-) Land $77,100	$77,100 (-) Land $77,100
2024	$694.00 (-26.41%)
2023	$943.00 (+184.04%)	$77,100 (+221.25%) Land $77,100	$77,100 (+221.25%) Land $77,100
2022	$332.00	$24,000 Land $24,000	$24,000 Land $24,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Moderate above 43% of the US · lower than 67% of Nebraska
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Viaero Wireless Fixed Wireless	100 / 5
T-Mobile Fixed Wireless	25 / 3
AT&T Fixed Wireless	25 / 3

May also be available: Rise Broadband.

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