28443 Laurel Cir, Valley, NE 68064 Property Records

Douglas County property record for 28443 Laurel Cir, Valley, NE 68064

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,920 sqft · built 2023
Lot Size	0.207 acres (9,056 sqft)
Owner	Individual Name on Record
Last Sale	$965,000 (Jan 2026)
Tax Bill	$12,173 (2024)
Deeds & Mortgages	Aug 2023 Mortgage Oct 2024 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`R1040430074`

Property Details

APN / Parcel Number

Primary APN	`R1040430074`
Alternative APNs	`4043 0074 10` `1040430074`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,920 sqft Living Area
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2023
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,056 sqft (0.207 acres)
Garage Type	Attached
Garage Area	1,176 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	492 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1040430074
Street Address	28443 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 54 BLOCK 0 LOT 54 75.47 X 120
Legal Subdivision	FLATWATER LAKE DEVELOPMENT 2ND ADD
Legal Lot Number	54
Jurisdiction	DOUGLAS NE
Township / Civil Division	PLATTE VALLEY
Census Block Group	1
Census Block	1012
Census Tract	7504

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	Co-owner on Record
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage WEST GATE BANK
Oct 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage WEST GATE BANK
Aug 22, 2024	Deed of Trust, Mortgage · Line of Credit WEST GATE BANK
Jan 13, 2026	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jan 8, 2026	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jul 5, 2022	Warranty Deed, Transfer · Construction Mortgage WEST GATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2026 · Amount on Record
Deed Sale	Jan 13, 2026 · Amount on Record
Prior Sale	Jan 8, 2026 · Amount on Record
Deed Document Number	2026002583
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	28443 LAUREL CIR, VALLEY, NE 68064-1670
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2212 S 64TH PLZ 402, 402, OMAHA, NE 68106-2824

Mortgage

Document Number	0000059266
Date	Aug 10, 2023
Instrument	2023059266

Lender

Name	WEST GATE BANK
Type	Bank
Address	LINCOLN, NE 68516

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	28443 LAUREL CIR, VALLEY, NE 68064-1670
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28443 LAUREL CIR, VALLEY, NE 68064-1670

Mortgage

Document Number	0000077356
Date	Oct 30, 2024
Instrument	2024077356

Lender

Name	WEST GATE BANK
Type	Bank
Address	LINCOLN, NE 68516

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	28443 LAUREL CIR, VALLEY, NE 68064-1670
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059126
Date	Aug 22, 2024
Instrument	2024059126

Lender

Name	WEST GATE BANK
Type	Bank
Address	LINCOLN, NE 68516

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	85 Months
Due	Sep 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jan 13, 2026
Property Address	28443 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000002583
Instrument Date	Dec 22, 2025
Instrument	2026002583
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	HOMESERVICES TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,238.80
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

Mortgage

Document Number	0000002584
Date	Jan 13, 2026
Instrument	2026002584

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jan 8, 2026
Property Address	28443 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000001863
Instrument Date	Dec 22, 2025
Instrument	2026001863
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	HOMESERVICES TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,238.80
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

Mortgage

Document Number	0000001864
Date	Jan 8, 2026
Instrument	2026001864

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jul 5, 2022
Property Address	28443 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000067486
Instrument Date	Jul 1, 2022
Instrument	2022067486
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	UNKNOWN, CT

Transaction

Amount	Amount Recorded
Tax	$402.75
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
Address	28443 LAUREL CIR, VALLEY, NE 68064-1670

Mortgage

Document Number	0000075651
Date	Jul 25, 2022
Instrument	2022075651

Lender

Name	WEST GATE BANK
Type	Bank
Address	LINCOLN, NE 68516

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of December 31, 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		$836,900 (+126.68%) Land $165,000 Building $671,900	$836,900 (+126.68%) Land $165,000 Building $671,900
2024	$12,173.00 (+105.69%)
2023	$5,918.00 (+203.18%)	$369,200 Land $165,000 Building $204,200	$369,200 Land $165,000 Building $204,200
2022	$1,952.00

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 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 Record 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Nebraska
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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.

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