305 E 20th St, Cozad, NE 69130 Property Records

Dawson County property record for 305 E 20th St, Cozad, NE 69130

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,442 sqft · built 2009
Lot Size	0.154 acres (6,690 sqft)
Owner	Individual Name on File
Last Sale	$223,000 (Jun 2022)
Tax Bill	$2,945 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3410-00-0-20164-003-0005`

Property Details

APN / Parcel Number

Primary APN	`3410-00-0-20164-003-0005`
Alternative APN	`240106954`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,442 sqft Living Area
1st Floor Area	1,442 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	6,690 sqft (0.154 acres)
Lot Width	81.9 ft Width
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	305 E 20TH ST
City	COZAD
State	NE
Zip	69130-1150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	00001841 LOT 5 BLK 3 TOBERERS SECOND SUB-DIV
Legal Subdivision	TOBERERS SECOND SUB
Legal Block	3
Legal Lot Number	5
Jurisdiction	DAWSON NE
Township / Civil Division	COZAD
Census Block Group	1
Census Block	1010
Census Tract	968300

Owner

305 E 20th St is owned and occupied by an individual who bought it in June 2022.

Source: Dawson County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	305 E 20TH ST, COZAD, NE 69130-1150
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
Jun 1, 2022	Warranty Deed, Transfer · FHA Mortgage FIRST NATIONAL BANK OF OMAHA
Apr 3, 2019	Deed of Trust, Mortgage · Line of Credit AMERICAN EQUITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on File
Deed Sale	Jun 1, 2022 · Amount on File
Prior Sale	Aug 19, 2010 · Amount on File
Deed Document Number	20221748
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAWSON NE
Recording Date	Jun 1, 2022
Property Address	305 E 20TH ST, COZAD, NE 69130-1150
Document Number	0020221748
Instrument Date	May 31, 2022
Instrument	2022-1748
Transaction Type	Transfer
Record Updated	Jul 14, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$501.75
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	0020221747
Date	Jun 1, 2022
Instrument	2022-1747

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAWSON NE
Property Address	305 E 20TH ST, COZAD, NE 69130-1150
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190707
Date	Apr 3, 2019
Instrument	2019-0707

Lender

Name	AMERICAN EQUITY BANK
Type	Bank
Address	ELLIS, KS 67637

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 305 E 20th St was $2,945.

Source: Dawson County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Dawson County
Municipality	Cozad City
Unified School District	Cozad Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$236,745 (+20.87%) Land $6,690 Building $230,055	$236,745 (+20.87%) Land $6,690 Building $230,055
2025	$2,945.00	$195,860 Land $6,690 Building $189,170	$195,860 Land $6,690 Building $189,170
2023	$3,423.00	$158,512 Land $5,018 Building $153,494	$158,512 Land $5,018 Building $153,494

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

Flood

FEMA maps place 305 E 20th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective April 28, 2022 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2008 · Severe Storms, Tornadoes, And Flooding

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

The area around 305 E 20th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 COZAD serves 3,915 people · EPA ID NE3104701
Water Source	Groundwater
Last State Inspection	Feb 2025
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 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cozad Telephone Company Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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