28455 Laurel Cir, Valley, NE 68064 Property Records

Douglas County property record for 28455 Laurel Cir, Valley, NE 68064

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,410 sqft · built 2023
Lot Size	0.232 acres (10,118 sqft)
Owner	2 Individual Names on Record
Last Sale	$885,000 (Sep 2025)
Tax Bill	$12,881 (2024)
Deeds & Mortgages	Sep 2025 Sale & Line of Credit Nov 2023 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`4043-0070-10`

Property Details

APN / Parcel Number

Primary APN	`4043-0070-10`
Alternative APNs	`R1040430070` `1040430070`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,410 sqft Living Area
Gross Area	4,509 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Multi-Level
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,118 sqft (0.232 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	868 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Slab
Porch Area	445 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1040430070
Street Address	28455 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 52 BLOCK 0 LOT 52 10,118 SQ FT
Legal Subdivision	FLATWATER LAKE DEVELOPMENT 2ND ADD
Legal Lot Number	52
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 October 14, 2025

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	28455 LAUREL CIR, VALLEY, NE 68064-1670
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Warranty Deed, Transfer · Line of Credit ARBOR BANK
Nov 28, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage AMCAP MORTGAGE LTD
Jul 5, 2022	Warranty Deed, Transfer NOT AVAILABLE, CT
Oct 12, 2022	Re-recorded Document
Jun 29, 2021	Warranty Deed, Transfer · Commercial Mortgage PREMIER BANK
Oct 11, 2022	Re-recorded Document

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2025 · Amount on Record
Deed Sale	Sep 10, 2025 · Amount on Record
Prior Sale	Oct 12, 2022 · Amount on Record
Deed Document Number	202572376
Prior Transfer Date	Sep 3, 2024
Prior Transfer Doc	0000063969
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Sep 10, 2025
Property Address	28455 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000072376
Instrument Date	Sep 7, 2025
Instrument	2025072376
Transaction Type	Transfer
Record Updated	Sep 22, 2025
Title Company	RTS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,053.20
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
Investor	Possibly a Property Investor

Mortgage

Document Number	0000078592
Date	Sep 30, 2025
Instrument	2025078592

Lender

Name	ARBOR BANK
Type	Bank
Address	OMAHA, NE 68130

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DOUGLAS NE
Recording Date	Nov 28, 2023
Property Address	28455 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000089479
Instrument Date	Nov 17, 2023
Instrument	2023089479
Transaction Type	Transfer
Record Updated	Dec 13, 2023
Title Company	NEBRASKA TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089480
Date	Nov 28, 2023
Instrument	2023089480

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77036

Agreement

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

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jul 5, 2022
Property Address	28455 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000067473
Instrument Date	Jul 1, 2022
Instrument	2022067473
Transaction Type	Transfer
Record Updated	Dec 13, 2023
Title Company	NOT AVAILABLE, CT

Transaction

Amount	Amount Recorded
Tax	$389.25
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
Address	28455 LAUREL CIR, VALLEY, NE 68064-1670

October 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	DOUGLAS NE
Recording Date	Oct 12, 2022
Property Address	28455 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000101837
Instrument Date	Jul 1, 2022
Instrument	2022101837
Record Updated	Dec 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28455 LAUREL CIR, VALLEY, NE 68064-1670

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jun 29, 2021
Property Address	28455 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000084989
Instrument Date	Jun 17, 2021
Instrument	2021084989
Transaction Type	Transfer
Record Updated	Dec 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.25
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	0000084990
Date	Jun 29, 2021
Instrument	2021084990

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	DOUGLAS NE
Recording Date	Oct 11, 2022
Property Address	28455 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000101256
Instrument Date	Jun 17, 2021
Instrument	2022101256
Record Updated	Dec 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Tax Assessment & Valuation

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		$855,500 (+418.48%) Land $165,000 Building $690,500	$855,500 (+418.48%) Land $165,000 Building $690,500
2024	$12,881.00 (+386.99%)
2023	$2,645.00 (+35.5%)	$165,000 (+49.86%) Land $165,000	$165,000 (+49.86%) Land $165,000
2022	$1,952.00	$110,100 Land $110,100	$110,100 Land $110,100

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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