Douglas County property record for 2903 N 185th Ave, Elkhorn, NE 68022
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,150 sqft · built 2022 |
| Lot Size | 0.329 acres (14,316 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $12,307 (2024) |
| Deeds & Mortgages | Jun 2022 Construction Loan Dec 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4515-0238-22 |
| Primary APN | 4515-0238-22 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 4,150 sqft Living Area |
| Gross Area | 5,615 sqft |
| Basement Area | 1,435 sqft |
| Finished Basement | 1,116 sqft |
| Unfinished Basement | 319 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Bi-Level |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,316 sqft (0.329 acres) |
| Garage Type | Attached |
| Garage Area | 846 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Slab |
| Porch Area | 84 sqft |
| Deck Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R2245150238 |
|---|---|
| Street Address | 2903 N 185TH AVE |
| City | ELKHORN |
| State | NE |
| Zip | 68022-7127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRUCE 180 LOT 20 BLOCK 0 LOT 20 14316 SQFT |
| Legal Subdivision | SPRUCE 180 |
| Legal Lot Number | 20 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | CHICAGO |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 7519 |
Source: Douglas County records, as of October 14, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2903 N 185TH AVE, ELKHORN, NE 68022-7127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2022 | Deed of Trust, Mortgage · Construction Mortgage CORE BANK |
| Dec 27, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage VERIDIAN CU |
| Jan 12, 2022 | Warranty Deed, Transfer · Line of Credit CORE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 27, 2022 |
| Deed Sale | Dec 27, 2022 |
| Prior Sale | Jan 12, 2022 · Amount on File |
| Deed Document Number | 2022122109 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 2903 N 185TH AVE, ELKHORN, NE 68022-7127 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000055142 |
|---|---|
| Date | Jun 1, 2022 |
| Instrument | 2022055142 |
| Name | CORE BANK |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68118 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Dec 27, 2022 |
| Property Address | 2903 N 185TH AVE, ELKHORN, NE 68022-7127 |
| Document Number | 0000122109 |
| Instrument Date | Dec 6, 2022 |
| Instrument | 2022122109 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 18, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,552.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2903 NORTH L85TH AVENUE, ELKHORN, NE 68022 |
| Document Number | 0000122110 |
|---|---|
| Date | Dec 27, 2022 |
| Instrument | 2022122110 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 8% |
| Index | 1-Year CMT |
| Max Rate | 12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Jan 12, 2022 |
| Property Address | 2903 N 185TH AVE, ELKHORN, NE 68022-7127 |
| Document Number | 0000004251 |
| Instrument Date | Dec 30, 2021 |
| Instrument | 2022004251 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2023 |
| Title Company | MIDWEST AREA TITLE INC, MIDWEST TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $312.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000004252 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 2022004252 |
| Name | CORE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
Source: Douglas County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Unified School District | Elkhorn Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $673,900 (+9.2%) Land $59,200 Building $614,700 | $673,900 (+9.2%) Land $59,200 Building $614,700 | |
| 2024 | $12,307.00 (-21.61%) | ||
| 2023 | $15,700.00 (+1,049.34%) | $617,100 Land $59,200 Building $557,900 | $617,100 Land $59,200 Building $557,900 |
| 2022 | $1,366.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 91% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | METROPOLITAN UTILITIES DISTRICT serves 660,000 people · EPA ID NE3105507 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 12 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 215 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Cox Communications Fiber | 2,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, Great Plains Communications, Nextlink, Verizon.
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