31731 S Saunders Ave, Sutton, NE 68979 Property Records

Clay County property record for 31731 S Saunders Ave, Sutton, NE 68979

Property Summary

Property Type	Rural Home
Details	4 bd · 4 ba · 2,003 sqft · built 1928
Lot Size	28.2 acres (1,231,877 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Feb 2021)
Tax Bill	$1,540 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3757-11-3-00000-000-1826`

Property Details

APN / Parcel Number

Primary APN	`3757-11-3-00000-000-1826`
Alternative APN	`000182600`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,003 sqft Living Area
Gross Area	2,387 sqft
1st Floor Area	1,163 sqft
Basement Area	1,680 sqft
Finished Basement	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,231,877 sqft (28.2 acres)
Garage Type	Mixed
Garage Area	1,760 sqft
Driveway	Driveway
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	384 sqft
Deck Area	566 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	31731 S SAUNDERS AVE
City	SUTTON
State	NE
Zip	68979-2701
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	05-AGRICUL
Legal Description	PT S1/2SW1/4
Legal Range	05
Legal Township	07
Legal Section	11
Jurisdiction	CLAY NE
Township / Civil Division	SUTTON
Census Block Group	4
Census Block	4078
Census Tract	962100

Owner

31731 S Saunders Ave, a rural home, is owned by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 538, SUTTON, NE 68979-0538
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
Jun 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE BANK
Oct 20, 2023	Deed of Trust, Mortgage · Line of Credit CS BANK
Feb 1, 2021	Personal Representative Deed, Transfer · Conventional Mortgage CORNERSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Deed Document Number	2021103
Deed Book / Page	134 / 2
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Recording Date	Jun 12, 2026
Property Address	31731 S SAUNDERS AVE, SUTTON, NE 68979-2701
Document Number	0000000783
Instrument Date	Jun 8, 2026
Instrument	2026783
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31731 S SAUNDERS AVE, SUTTON, NE 68979-2701

Mortgage

Document Number	0000000783,
Date	Jun 12, 2026
Instrument	2026783

Lender

Name	CORNERSTONE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.37%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	31731 S SAUNDERS AVE, SUTTON, NE 68979-2701
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317371 S SAUNDERA AVE, SCHOOL CREEK, NE 68979

Mortgage

Document Number	0000274/55
Date	Oct 20, 2023
Book Page	274/55
Instrument	2023-00974

Lender

Name	CS BANK
Type	Bank
Address	YORK, NE 68467

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	CLAY NE
Recording Date	Feb 1, 2021
Property Address	31731 S SAUNDERS AVE, SUTTON, NE 68979-2701
Document Number	00000134/2
Book / Page	134 / 2
Instrument Date	Jan 29, 2021
Instrument	2021-00103
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	NOT AVAILABLE, ADAMS LAND TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$967.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0202100104
Date	Feb 1, 2021
Instrument	2021-00104

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 31731 S Saunders Ave was $1,540.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$379,065 (+49.13%) Land $104,670 Building $274,395	$405,233 (+59.42%) Land $130,838 Building $274,395
2025	$1,540.00	$254,185 Land $95,660 Building $158,525	$254,185 Land $95,660 Building $158,525
2023	$2,094.00	$213,725 Land $79,470 Building $134,255	$213,725 Land $79,470 Building $134,255

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 31731 S Saunders Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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

Wildfire risk around 31731 S Saunders Ave 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 94% of the US · lower than 88% of Nebraska
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
Windstream Fixed Wireless	100 / 10

May also be available: Glenwood Telecommunications.

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