309 12th St, Elba, NE 68835 Property Records

Howard County property record for 309 12th St, Elba, NE 68835

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,439 sqft · built 1920
Lot Size	0.752 acres (32,736 sqft)
Owner	Individual Name on File
Tax Bill	$1,039 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Nov 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`2721-00-0-30002-011-0297`

Property Details

APN / Parcel Number

Primary APN	`2721-00-0-30002-011-0297`
Alternative APN	`470854835`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,439 sqft Living Area
1st Floor Area	963 sqft
Basement Area	952 sqft
Unfinished Basement	896 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	32,736 sqft (0.752 acres)
Lot Dimensions	124 ft deep x 264 ft wide
Garage Type	Detached
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	336 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	160 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	309 12TH ST
City	ELBA
State	NE
Zip	68835-2026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	LOTS 5-10 BLOCK 11 STEVEN'S ADD ELBA
Legal Subdivision	STEVEN'S ADD
Legal Block	11
Legal Lot Number	5-10
Jurisdiction	HOWARD NE
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1080
Census Tract	970600

Owner

309 12th St is owned and occupied by an individual who acquired it in November 2018.

Source: Howard County records, as of August 3, 2026

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	309 12TH ST, ELBA, NE 68835-2026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK OF SCOTIA
Nov 16, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 16, 2018
Transfer Doc	00018/5062
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD NE
Property Address	309 12TH ST, ELBA, NE 68835-2026
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000019/367
Date	Feb 4, 2019
Book Page	19/367
Instrument	2019-00109

Lender

Name	STATE BANK OF SCOTIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 28, 2039

Interest

Rate Type	Fixed Rate

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOWARD NE
Recording Date	Nov 16, 2018
Property Address	309 12TH ST, ELBA, NE 68835-2026
Document Number	00018/5062
Book / Page	18 / 5062
Instrument Date	Nov 16, 2018
Instrument	2018-01339
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 309 12th St was $1,039, down 6.7% from the year before.

Source: Howard County assessment roll, as of March 10, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Howard County
Municipality	Elba Village
Unified School District	Elba Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,039.00 (-6.73%)	$87,028 (-) Land $6,274 Building $80,754	$87,028 (-) Land $6,274 Building $80,754
2024	$1,114.00 (-19.74%)	$87,028 (+2.78%) Land $6,274 Building $80,754	$87,028 (+2.78%) Land $6,274 Building $80,754
2023	$1,388.00	$84,677 Land $6,274 Building $78,403	$84,677 Land $6,274 Building $78,403

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

Flood

FEMA maps place 309 12th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 8, 2017 · 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	8 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.

Wildfire

Wildfire risk around 309 12th St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 82% of Nebraska
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	VILLAGE OF ELBA serves 196 people · EPA ID NE3109304
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NCTC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 12th St

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