28472 Laurel Cir, Valley, NE 68064 Property Records

Douglas County property record for 28472 Laurel Cir, Valley, NE 68064

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,341 sqft · built 2024
Lot Size	0.165 acres (7,201 sqft)
Owner	Individual Name on File
Last Sale	$733,000 (Dec 2024)
Tax Bill	$2,009 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2024 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`R1040430120`

Property Details

APN / Parcel Number

Primary APN	`R1040430120`
Alternative APNs	`4043 0120 10` `1040430120`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,341 sqft Living Area
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2024
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,201 sqft (0.165 acres)
Garage Type	Attached
Garage Area	819 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	390 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1040430120
Street Address	28472 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 77 BLOCK 0 LOT 77 60.01 X 120
Legal Subdivision	FLATWATER LAKE DEVELOPMENT 2ND ADD
Legal Lot Number	77
Jurisdiction	DOUGLAS NE
Township / Civil Division	PLATTE VALLEY
Census Block Group	1
Census Block	1012
Census Tract	7504

Owner

28472 Laurel Cir is owned and occupied by an individual who bought it in December 2024.

Source: Douglas County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	28472 LAUREL CIR, VALLEY, NE 68064-1670
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 8, 2025	Deed of Trust, Mortgage · VA Mortgage CHARTER WEST BANK
Dec 30, 2024	Warranty Deed, Subdivision Related Transfer · VA Mortgage CHARTER WEST BANK
May 17, 2024	Warranty Deed, Construction Loan · Construction Mortgage UNION BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2024 · Amount on File
Deed Sale	Dec 30, 2024 · Amount on File
Prior Sale	May 17, 2024 · Amount on File
Deed Document Number	2024092916
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	28472 LAUREL CIR, VALLEY, NE 68064-1670
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28472 LAUREL CIR, VALLEY, NE 68064-1670

Mortgage

Document Number	0000081528
Date	Oct 8, 2025
Instrument	2025081528

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

December 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Dec 30, 2024
Property Address	28472 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000092916
Instrument Date	Dec 17, 2024
Instrument	2024092916
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 18, 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	$1,649.25
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
Investor	Possibly a Property Investor

Mortgage

Document Number	0000092917
Date	Dec 30, 2024
Instrument	2024092917

Lender

Name	CHARTER WEST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

May 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	May 17, 2024
Property Address	28472 LAUREL CIR, VALLEY, NE 68064-1670
Document Number	0000032117
Instrument Date	May 15, 2024
Instrument	2024032117
Transaction Type	Construction Loan
Record Updated	Nov 18, 2025
Title Company	PROFESSIONAL LAND TITLE COMPANY, PROFESSIONAL TITLE CO

Transaction

Amount	Amount 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
Investor	Possibly a Property Investor

Mortgage

Document Number	0000032118
Date	May 17, 2024
Instrument	2024032118

Lender

Name	UNION BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

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		$679,300 Land $150,000 Building $529,300	$679,300 Land $150,000 Building $529,300
2024	$2,009.00 (-16.43%)
2023	$2,404.00 (+35.59%)	$150,000 Land $150,000	$150,000 Land $150,000
2022	$1,773.00

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

Flood

FEMA maps place 28472 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 28472 Laurel Cir is low, with a 0.03% annual chance of 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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