28406 Laurel Cir, Valley, NE 68064 Property Records

Douglas County property record for 28406 Laurel Cir, Valley, NE 68064

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,006 sqft · built 2023
Lot Size	0.279 acres (12,140 sqft)
Owner	2 Company Names on File
Last Sale	$1,550,000 (Sep 2025)
Tax Bill	$17,138 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jul 2024 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`4043-0096-10`

Property Details

APN / Parcel Number

Primary APN	`4043-0096-10`
Alternative APNs	`R1040430096` `1040430096`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,006 sqft Living Area
Gross Area	5,792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Bi-Level
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,140 sqft (0.279 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	1,254 sqft
Parking Spaces	5 Parking Spaces
Porch	Covered Slab
Porch Area	674 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1040430096
Street Address	28406 LAUREL CIR
City	VALLEY
State	NE
Zip	68064-1670
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLATWATER LAKE DEVELOPMENT 2ND ADD LOT 65 BLOCK 0 LOT 65 12,140 SQ FT
Legal Subdivision	FLATWATER LAKE DEVELOPMENT 2ND ADD
Legal Lot Number	65
Jurisdiction	DOUGLAS NE
Township / Civil Division	PLATTE VALLEY
Census Block Group	1
Census Block	1012
Census Tract	7504

Owner

28406 Laurel Cir is owned by a company that bought it in September 2025.

Source: Douglas County records, as of June 15, 2026

Owner of Record	2 Company Names on File
Mailing Address	28406 LAUREL CIRCLE VLY NE, VALLEY, NE 68064
Owner Type	Company
Vesting	Life Tenant

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
Mar 20, 2023	Deed of Trust, Mortgage · Line of Credit WEST GATE BANK
Jul 25, 2024	Deed of Trust, Mortgage · Conventional Mortgage WEST GATE BANK
Sep 25, 2025	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jun 11, 2024	Quit Claim Deed, Transfer Quitclaim
Sep 24, 2021	Warranty Deed, Construction Loan · Construction Mortgage PREMIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on File
Deed Sale	Sep 25, 2025 · Amount on File
Prior Sale	Sep 24, 2021 · Amount on File
Deed Document Number	202577059
Prior Transfer Date	Jun 11, 2024
Prior Transfer Doc	0000039049
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	28406 LAUREL CIR, VALLEY, NE 68064-1670
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017858
Date	Mar 20, 2023
Instrument	2023017858

Lender

Name	WEST GATE BANK
Type	Bank
Address	OMAHA, NE 68118

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	28406 LAUREL CIR, VALLEY, NE 68064-1670
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16716 MARTHA CIR, OMAHA, NE 68130-1531

Mortgage

Document Number	0000051109
Date	Jul 25, 2024
Instrument	2024051109

Lender

Name	WEST GATE BANK
Type	Bank
Address	LINCOLN, NE 68516

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Sep 25, 2025
Property Address	28406 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000077059
Instrument Date	Sep 11, 2025
Instrument	2025077059
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	AMBASSADOR TITLE SERVICES INC, AMBASSADOR TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,596.00
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	Living Trust

Mortgage

Document Number	0000077060
Date	Sep 25, 2025
Instrument	2025077060

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

June 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jun 11, 2024
Property Address	28406 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000039049
Instrument Date	Jun 11, 2024
Instrument	2024039049
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28406 LAUREL CIR, VALLEY, NE 68064-1670

September 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Sep 24, 2021
Property Address	28406 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000126568
Instrument Date	Jul 1, 2021
Instrument	2021126568
Transaction Type	Construction Loan
Record Updated	Oct 7, 2025

Transaction

Amount	Amount on Record
Tax	$447.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000126569
Date	Sep 24, 2021
Instrument	2021126569

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 28406 Laurel Cir was $17,138, down 1% from the year before.

Source: Douglas County assessment roll, as of October 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,138.00 (-0.98%)	$1,257,400 (-) Land $195,000 Building $1,062,400	$1,257,400 (-) Land $195,000 Building $1,062,400
2024	$17,307.00 (+4.64%)	$1,257,400 (+21.86%) Land $195,000 Building $1,062,400	$1,257,400 (+21.86%) Land $195,000 Building $1,062,400
2023	$16,540.00 (+141.95%)	$1,031,800 Land $195,000 Building $836,800	$1,031,800 Land $195,000 Building $836,800
2022	$6,836.00

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

Flood

FEMA maps place 28406 Laurel Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
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 File median of 167 individual policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	179 units insured incl. 12 condo units
Nearby Flood Claims	128 (1978–2024)
Claims Outside the SFHA	3 of 128
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 50 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 28406 Laurel Cir is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 71% of Nebraska
Wildfire Likelihood	0.02% 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 VALLEY serves 3,294 people · EPA ID NE3105518
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Great Plains Communications Fiber	2,000 / 2,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Nextlink.

Nearby Properties on Laurel Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures