Saunders County property record for 309 E Elm St, Cedar Bluffs, NE 68015
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,612 sqft · built 2020 |
| Lot Size | 1.6 acres (69,696 sqft) |
| Owner | Individual Name on File |
| Last Sale | $30,000 (Sep 2019) |
| Tax Bill | $4,410 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 005018500 |
| Primary APN | 005018500 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,612 sqft Living Area |
| 1st Floor Area | 1,612 sqft |
| Basement Area | 1,612 sqft |
| Unfinished Basement | 1,612 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Frame |
| Lot Area | 69,696 sqft (1.6 acres) |
| Lot Dimensions | 145 ft deep x 480 ft wide |
| Garage Type | Attached |
| Garage Area | 1,023 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 309 E ELM ST |
|---|---|
| City | CEDAR BLUFFS |
| State | NE |
| Zip | 68015-3313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SINGLE-FAM |
| Legal Description | LOT 1 YUNGS ADDITION REPLAT 1 CEDAR BLUFFS; MAP NUMBER: 2393-34-4-02080-002-8500 |
| Legal Range | 07 |
| Legal Township | 17 |
| Legal Section | 34 |
| Legal Subdivision | CEDAR BLUFFS-YUNG'S ADD |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | SAUNDERS NE |
| Township / Civil Division | NORTH CEDAR |
| Census Block Group | 3 |
| Census Block | 3054 |
| Census Tract | 968100 |
Source: Saunders County assessment roll, APN 005018500, as of June 2, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 309 E ELM ST, CEDAR BLUFFS, NE 68015-3313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 01, 2026 | Deed of Trust · Line of Credit TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Apr 01, 2026 | Deed of Trust, Mortgage · Line of Credit TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Oct 28, 2019 | Trustee's Deed, Construction Loan · Line of Credit COMMERCIAL ST BK |
| Sep 24, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Nov 19, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Nov 19, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 24, 2019 · Amount on Record |
| Deed Sale | Sep 24, 2019 · Amount on Record |
| Deed Document Number | 20199338 |
| Deed Book / Page | 522 / 1225 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUNDERS NE |
| Recording Date | Apr 01, 2026 |
| Property Address | 309 E ELM ST, CEDAR BLUFFS, NE 68015-3313 |
| Document Number | 0000000005 |
| Book / Page | 633 / 1232 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 20265 |
| Record Updated | Apr 13, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|---|
| Address | 309 E ELM ST, CEDAR BLUFFS, NE 68015-3313 |
| Document Number | 0000000005, |
|---|---|
| Date | Apr 01, 2026 |
| Book Page | 633/1232 |
| Instrument | 20265 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 21, 2046 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUNDERS NE |
| Recording Date | Apr 01, 2026 |
| Property Address | 309 E ELM ST, CEDAR BLUFFS, NE 68015-3313 |
| Document Number | 0006331232 |
| Book / Page | 633 / 1232 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 20265 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 309 E ELM ST, CEDAR BLUFFS, NE 68015-3313 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000005, |
|---|---|
| Date | Apr 01, 2026 |
| Book Page | 633/1232 |
| Instrument | 20265 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 21, 2046 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SAUNDERS NE |
| Recording Date | Oct 28, 2019 |
| Property Address | 309 E ELM ST, CEDAR BLUFFS, NE 68015-3313 |
| Document Number | 0005241119 |
| Book / Page | 000524 / 001119 |
| Instrument Date | Oct 23, 2019 |
| Instrument | 479 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 12, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 373 CEDAR BLUFFS NE 680150373, CEDAR BLUFFS, NE 68015-0373 |
| Document Number | 5241119 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 000524/001119 |
| Instrument | 479 |
| Name | COMMERCIAL ST BK |
|---|---|
| Type | Bank |
| Address | CEDAR BLUFFS, NE 68015 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 27, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAUNDERS NE |
| Recording Date | Sep 24, 2019 |
| Property Address | 309 E ELM ST, CEDAR BLUFFS, NE 68015-3313 |
| Document Number | 0005221225 |
| Book / Page | 000522 / 001225 |
| Instrument Date | Sep 02, 2019 |
| Instrument | 338 |
| Transaction Type | Transfer |
| Record Updated | Oct 04, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $67.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | ELM ST CEDAR BLUFFS NE 68015, CEDAR BLUFFS, NE 68015 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUNDERS NE |
| Recording Date | Nov 19, 2018 |
| Property Address | 309 E ELM ST, CEDAR BLUFFS, NE 68015-3313 |
| Document Number | 0005110267 |
| Book / Page | 000511 / 000267 |
| Instrument Date | Jun 20, 2018 |
| Instrument | 185 |
| Transaction Type | Transfer |
| Record Updated | Dec 06, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $30.25 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUNDERS NE |
| Recording Date | Nov 19, 2018 |
| Property Address | 309 E ELM ST, CEDAR BLUFFS, NE 68015-3313 |
| Document Number | 0005110266 |
| Book / Page | 000511 / 000266 |
| Instrument Date | Jun 20, 2018 |
| Instrument | 104 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $37.12 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
Source: Saunders County assessment roll as of June 2, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Nebraska |
| Municipality | Cedar Bluffs Village |
| County | Saunders County |
| County Subdivision | North Cedar Township |
| Unified School District | Cedar Bluffs Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,410.00 (-5.24%) | $321,544 (+29.35%) Land $34,900 Building $286,644 | $321,544 (+29.35%) Land $34,900 Building $286,644 |
| 2023 | $4,654.00 | $248,580 Land $34,900 Building $213,680 | $248,580 Land $34,900 Building $213,680 |
Source: FEMA National Flood Hazard Layer, Saunders County (31155C), as of January 3, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 311559681003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 15 (1980–2019) |
| Most Recent Claim | Mar 2019 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.5% of Nebraska |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, 18 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AMG Technology Investment Group Fixed Wireless | 300 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
4G LTE only, no 5G reported
Source: EPA Safe Drinking Water Information System, water system NE3115504, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VILLAGE OF CEDAR BLUFFS serves 600 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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