312 S Main Ave, Sutton, NE 68979 Property Records

Clay County property record for 312 S Main Ave, Sutton, NE 68979

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,843 sqft · built 1930
Lot Size	0.231 acres (10,080 sqft)
Owner	Individual on Record
Last Sale	$240,000 (Jun 2024)
Tax Bill	$3,442 (2025)
Deeds & Mortgages	May 2022 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3757-00-0-77010-025-8273`

Property Details

APN / Parcel Number

Primary APN	`3757-00-0-77010-025-8273`
Alternative APN	`000827300`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,843 sqft Living Area
1st Floor Area	1,213 sqft
Basement Area	2,426 sqft
Finished Basement	1,213 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1980
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,080 sqft (0.231 acres)
Lot Dimensions	140 ft deep x 72 ft wide
Garage Type	Detached
Garage Area	600 sqft
Driveway	Driveway
Driveway Area	1,200 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	192 sqft
Deck Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	312 S MAIN AVE
City	SUTTON
State	NE
Zip	68979-2312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	LOTS 13 THRU 15 BLK 25 1ST ADD SUTTON CITY
Legal Subdivision	1ST ADD
Legal Block	25
Legal Lot Number	13-15
Jurisdiction	CLAY NE
Township / Civil Division	SUTTON
Census Block Group	4
Census Block	4004
Census Tract	962100

Owner

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

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

Owner of Record	Individual on Record
Mailing Address	PO BOX 275, SUTTON, NE 68979-0275
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 2, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2024 · Amount on Record
Deed Sale	Jun 3, 2024 · Amount on Record
Prior Sale	Apr 2, 2019 · Amount on Record
Deed Document Number	2024487
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	312 S MAIN AVE, SUTTON, NE 68979-2312
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000269/156
Date	May 26, 2022
Book Page	269/156
Instrument	2022-00593

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	Other
Max Rate	10.2%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Apr 2, 2019
Property Address	312 S MAIN AVE, SUTTON, NE 68979-2312
Document Number	000132/212
Book / Page	132 / 212
Instrument Date	Apr 1, 2019
Instrument	2019-00329
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	ADAMS LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$362.00
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	000255/168
Date	Apr 2, 2019
Book Page	255/168
Instrument	2019-00330

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$257,890 (+8.87%) Land $10,050 Building $247,840	$257,890 (+8.87%) Land $10,050 Building $247,840
2025	$3,442.00 (-10.11%)	$236,875 (+15.61%) Land $5,025 Building $231,850	$236,875 (+15.61%) Land $5,025 Building $231,850
2023	$3,829.00	$204,895 Land $5,025 Building $199,870	$204,895 Land $5,025 Building $199,870

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 July 4, 2018 · 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	6 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017 · rainfall accumulation

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 94% of the US · lower than 89% of Nebraska
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 SUTTON serves 1,447 people · EPA ID NE3103507
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	3 ppb (2023–2025) action level 15 ppb
Copper	1.63 mg/L (2019) 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	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 314 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
Glenwood Telecommunications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Zito Media Cable	100 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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