309 E Oak St, Harvard, NE 68944 Property Records

Clay County property record for 309 E Oak St, Harvard, NE 68944

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,388 sqft · built 1977
Lot Size	0.566 acres (24,640 sqft)
Owner	Individual Name on File
Last Sale	$4,000 (Jul 2022)
Tax Bill	$3,218 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000616400`

Property Details

APN / Parcel Number

Primary APN	`000616400`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,388 sqft Living Area
1st Floor Area	1,388 sqft
Basement Area	2,221 sqft
Finished Basement	1,388 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2015
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	24,640 sqft (0.566 acres)
Lot Dimensions	140 ft deep x 176 ft wide
Garage Type	Attached
Garage Area	564 sqft
Driveway	Driveway
Driveway Area	864 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 E OAK ST
City	HARVARD
State	NE
Zip	68944-3027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	LOTS 377 & 378, O.T., HARVARD CITY
Legal Subdivision	ORIGINAL TOWN OF HARVARD
Legal Lot Number	377,378
Jurisdiction	CLAY NE
Township / Civil Division	HARVARD
Census Block Group	2
Census Block	2114
Census Tract	962100

Owner

309 E Oak St is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	309 E OAK ST, HARVARD, NE 68944-3027
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, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE BANK
Jul 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage CS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2022 · Amount on File
Deed Sale	Jul 15, 2022 · Amount on File
Prior Sale	Jul 15, 2022 · Amount on File
Deed Document Number	2022798
Deed Book / Page	135 / 250
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	309 E OAK ST, HARVARD, NE 68944-3027
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000261/140
Date	Oct 8, 2020
Book Page	261/140
Instrument	2020-01074

Lender

Name	CORNERSTONE BANK
Type	Bank
Address	HARVARD, NE 68944

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	309 E OAK ST, HARVARD, NE 68944-3027
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000270/95
Date	Jul 19, 2022
Book Page	270/95
Instrument	2022-00821

Lender

Name	CS BANK
Type	Bank
Address	SUTTON, NE 68979

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 309 E Oak St was $3,218.

Source: Clay County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Clay County
County Subdivision	Harvard Township
Municipality	Harvard City
Unified School District	Harvard Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$225,400 (+8.08%) Land $11,415 Building $213,985	$225,400 (+8.08%) Land $11,415 Building $213,985
2025	$3,218.00	$208,555 Land $10,420 Building $198,135	$208,555 Land $10,420 Building $198,135
2023	$3,903.00	$187,570 Land $14,090 Building $173,480	$187,570 Land $14,090 Building $173,480

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

Flood

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

Source: FEMA National Flood Hazard Layer, effective July 4, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 309 E Oak St is low, with less than 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 99.8% of the US · lower than 99.5% of Nebraska
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 HARVARD serves 1,000 people · EPA ID NE3103502
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.51 mg/L (2026) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	200 / 20
GigFire Fixed Wireless	150 / 130
Zito Media Cable	100 / 25

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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