309 W Elm St, Cedar Bluffs, NE 68015 Property Records

Saunders County property record for 309 W Elm St, Cedar Bluffs, NE 68015

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,814 sqft · built 1923
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,000 (Mar 2022)
Tax Bill	$2,960 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2393-34-3-02015-009-9000`

Property Details

APN / Parcel Number

Primary APN	`2393-34-3-02015-009-9000`
Alternative APN	`004989000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,814 sqft Living Area
1st Floor Area	1,108 sqft
Basement Area	1,270 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	130 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	236 sqft
Patio Area	162 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	309 W ELM ST
City	CEDAR BLUFFS
State	NE
Zip	68015-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	WEST 1/2 OF LOT 4 & ALL OF LOT 5 BLOCK 9 BLKS 9-12 ADDITION TO CEDAR BLUFFS; MAP NUMBER: 2393-34-3-02015-009-9000
Legal Range	07
Legal Township	17
Legal Section	34
Legal Subdivision	CEDAR BLUFFS 9-12 ADD
Legal Block	9
Legal Lot Number	4-5
Jurisdiction	SAUNDERS NE
Township / Civil Division	NORTH CEDAR
Census Block Group	3
Census Block	3068
Census Tract	968100

Owner

Source: Saunders County records, as of June 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	309 W ELM ST, CEDAR BLUFFS, NE 68015-3105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK
Nov 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2022 · Amount on Record
Deed Sale	Mar 25, 2022 · Amount on Record
Prior Sale	Mar 10, 2006 · Amount on Record
Deed Document Number	2022384
Deed Book / Page	578 / 19
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAUNDERS NE
Recording Date	Mar 25, 2022
Property Address	309 W ELM ST, CEDAR BLUFFS, NE 68015-3105
Document Number	0005780019
Book / Page	578 / 19
Instrument Date	Mar 3, 2022
Instrument	2022-03-384
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	AMBASSADOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$443.25
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	0202203385
Date	Mar 25, 2022
Instrument	2022-03-385

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Property Address	309 W ELM ST, CEDAR BLUFFS, NE 68015-3105
Transaction Type	Mortgage
Record Updated	Feb 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005480916
Date	Dec 1, 2020
Book Page	548/916
Instrument	2020-12-023

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Property Address	309 W ELM ST, CEDAR BLUFFS, NE 68015-3105
Document Number	0009901000
Instrument Date	Nov 5, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	309 W ELM ST CEDAR BLUFFS NE 680153105, CEDAR BLUFFS, NE 68015-3105

Mortgage

Document Number	0009901000
Date	Nov 13, 2019
Book Page	000990/001000
Instrument	175

Lender

Name	FIRST CMNTY BK
Type	Bank
Address	BEEMER, NE 68716

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

Tax Assessment & Valuation

Source: Saunders County assessment roll, as of June 2, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,960.00 (-7.41%)	$215,801 (+26.38%) Land $20,434 Building $195,367	$215,801 (+26.38%) Land $20,434 Building $195,367
2023	$3,197.00	$170,762 Land $20,434 Building $150,328	$170,762 Land $20,434 Building $150,328

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 3, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 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	Severe Storms And Flooding, Mar 2019 · 4 claims

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

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

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Nebraska
Wildfire Likelihood	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	VILLAGE OF CEDAR BLUFFS serves 600 people · EPA ID NE3115504
Water Source	Groundwater
Last State Inspection	Mar 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	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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 35
GigFire Fixed Wireless	150 / 130
Nextlink Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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