319 S 243rd St, Waterloo, NE 68069 Property Records

Douglas County property record for 319 S 243rd St, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,937 sqft · built 2019
Lot Size	0.389 acres (16,988 sqft)
Owner	2 Trust Names on File
Last Sale	$93,000 (Jun 2018)
Tax Bill	$10,500 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2023 Transfer + 4 more
Flood Zone	Zone AE (high risk)
APN	`R2524500636`

Property Details

APN / Parcel Number

Primary APN	`R2524500636`
Alternative APNs	`2450 0636 25` `2524500636`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,937 sqft Living Area
Basement Area	1,937 sqft
Finished Basement	1,505 sqft
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2019
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.389 acres)
Garage Type	Attached
Garage Area	1,054 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	880 sqft
Porch	Porch
Porch Area	1,263 sqft
Deck Area	210 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R2524500636
Street Address	319 S 243RD ST
City	WATERLOO
State	NE
Zip	68069-4706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST SHORES LOT 264 BLOCK 0 IRREG
Legal Subdivision	WEST SHORES
Legal Lot Number	264
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1056
Census Tract	7508

Owner

319 S 243rd St is owner-occupied and held in a trust since October 2023.

Source: Douglas County records, as of March 16, 2026

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	319 S 243RD ST, WATERLOO, NE 68069-4706
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FRONTIER BANK
Oct 27, 2023	Intrafamily Transfer, Transfer
Jul 12, 2019	Deed of Trust, Mortgage · Commercial Mortgage FRONTIER BANK
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHARTER WEST BANK
Aug 10, 2018	Trustee's Deed, Construction Loan · Line of Credit FRONTIER BK
Jun 8, 2018	Warranty Deed, Transfer NEBRASKA TITLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jun 8, 2018 · Amount on File
Deed Sale	Jun 8, 2018 · Amount on File
Prior Sale	Jun 8, 2018 · Amount on File
Deed Document Number	0000044131
Last Transfer Date	Oct 27, 2023
Transfer Doc	0000081787
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	319 S 243RD ST, WATERLOO, NE 68069-4706
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000129542
Date	Sep 30, 2021
Instrument	2021129542

Lender

Name	FRONTIER BANK
Type	Bank
Address	LINCOLN, NE 68516

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DOUGLAS NE
Recording Date	Oct 27, 2023
Property Address	319 S 243RD ST, WATERLOO, NE 68069-4706
Document Number	0000081787
Instrument Date	Sep 25, 2023
Instrument	2023081787
Transaction Type	Transfer
Record Updated	Nov 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	319 S 243RD ST, WATERLOO, NE 68069-4706
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019052302
Date	Jul 12, 2019
Instrument	2019052302

Lender

Name	FRONTIER BANK
Type	Bank
Address	OMAHA, NE 68118

Agreement

Type	Commercial Mortgage

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	319 S 243RD ST, WATERLOO, NE 68069-4706
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020009869
Date	Jan 31, 2020
Instrument	2020009869

Lender

Name	CHARTER WEST BANK
Type	Bank
Address	WEST POINT, NE 68788

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

August 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	DOUGLAS NE
Recording Date	Aug 10, 2018
Property Address	319 S 243RD ST, WATERLOO, NE 68069-4706
Instrument Date	Aug 9, 2018
Instrument	63319
Transaction Type	Construction Loan
Record Updated	Oct 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	319 S 243RD ST WATERLOO NE 68069, WATERLOO, NE 68069

Mortgage

Document Number	0000063319
Date	Aug 10, 2018
Instrument	63319

Lender

Name	FRONTIER BK
Type	Bank
Address	OMAHA, NE 68118

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jun 8, 2018
Property Address	319 S 243RD ST, WATERLOO, NE 68069-4706
Document Number	0000044131
Instrument Date	Jun 6, 2018
Instrument	44131
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	NEBRASKA TITLE

Transaction

Amount	Amount on Record
Tax	$209.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	319 S 243RD ST WATERLOO NE 68069, WATERLOO, NE 68069

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Nebraska
County	Douglas County
Unified School District	Douglas County West Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$849,400 Land $83,000 Building $766,400	$849,400 Land $83,000 Building $766,400
2024	$10,500.00 (-5.8%)
2023	$11,147.00 (-10.09%)	$691,000 Land $83,000 Building $608,000	$691,000 Land $83,000 Building $608,000
2022	$12,398.00

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

Flood

FEMA maps place 319 S 243rd St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 75 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	75 in force
Nearby Flood Claims	62 (1978–2019)
Claims Outside the SFHA	5 of 62
Most Recent Claim	Mar 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 39 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

Wildfire risk around 319 S 243rd St is moderate, ranking above 51% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 41% of Nebraska
Wildfire Likelihood	0.08% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Nextlink Fixed Wireless	500 / 200

May also be available: Verizon.

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