31960 Rd X, Sutton, NE 68979 Property Records

Clay County property record for 31960 Rd X, Sutton, NE 68979 · Last verified August 2026

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,015 sqft · built 2017
Lot Size	4.75 acres (206,910 sqft)
Owner	Individual Name on File
Tax Bill	$2,342 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Apr 2017 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`000029401`

Property Details

APN / Parcel Number

Primary APN	`000029401`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,015 sqft Living Area
1st Floor Area	2,015 sqft
Basement Area	2,015 sqft
Finished Basement	1,612 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Bi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	206,910 sqft (4.75 acres)
Garage Type	Attached
Garage Area	930 sqft
Driveway	Driveway
Driveway Area	750 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	31960 ROAD X
City	SUTTON
State	NE
Zip	68979-3029
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT SW1/4NW1/4
Legal Range	05
Legal Township	08
Legal Section	35
Jurisdiction	CLAY NE
Township / Civil Division	SCHOOL CREEK
Census Block Group	3
Census Block	3008
Census Tract	962100

Owner

Source: Clay County records · APN 000029401

Assessment roll updated March 12, 2026 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 691, SUTTON, NE 68979-0691
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE BANK
Apr 14, 2017	Deed of Trust, Mortgage · Construction Mortgage CORNERSTONE BANK
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE BANK
Dec 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage CS BANK
Mar 28, 2022	Intrafamily Transfer, Transfer
Jan 04, 2017	Joint Tenancy Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	31960 ROAD X, SUTTON, NE 68979-3029
Transaction Type	Mortgage
Record Updated	Jan 04, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000252/037
Date	Feb 12, 2018
Book Page	252/037
Instrument	2018-00153

Lender

Name	CORNERSTONE BANK
Type	Bank
Address	YORK, NE 68467

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	31960 ROAD X, SUTTON, NE 68979-3029
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000249/060
Date	Apr 14, 2017
Book Page	249/060
Instrument	2017-00372

Lender

Name	CORNERSTONE BANK
Type	Bank
Address	SUTTON, NE 68979

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 07, 2018

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	31960 ROAD X, SUTTON, NE 68979-3029
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000262/101
Date	Dec 22, 2020
Book Page	262/101
Instrument	2020-01374

Lender

Name	CORNERSTONE BANK
Type	Bank
Address	SUTTON, NE 68979

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	31960 ROAD X, SUTTON, NE 68979-3029
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31960 ROAD X, SUTTON, NE 68979-3029

Mortgage

Document Number	000271/160
Date	Dec 27, 2022
Book Page	271/160
Instrument	2022-01359

Lender

Name	CS BANK
Type	Bank
Address	SUTTON, NE 68979

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NE
Recording Date	Mar 28, 2022
Property Address	31960 ROAD X, SUTTON, NE 68979-3029
Document Number	0000135/94
Book / Page	135 / 94
Instrument Date	Mar 23, 2022
Instrument	2022-00336
Transaction Type	Transfer
Record Updated	May 26, 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

January 2017: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	CLAY NE
Recording Date	Jan 04, 2017
Property Address	31960 ROAD X, SUTTON, NE 68979-3029
Document Number	000130/392
Book / Page	130 / 392
Instrument Date	Dec 22, 2016
Instrument	2017-00010
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated March 12, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$433,265 (+12.82%) Land $32,300 Building $400,965	$433,265 (+12.82%) Land $32,300 Building $400,965
2025	$2,342.00 (-36.06%)	$384,025 (+3.06%) Land $32,300 Building $351,725	$384,025 (+3.06%) Land $32,300 Building $351,725
2023	$3,663.00	$372,640 Land $10,845 Building $361,795	$372,640 Land $10,845 Building $361,795

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (31035C), updated July 4, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 310359621003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 5 individual NFIP policies nearby
Nearby Flood Policies	5 in force 5 of 5 on primary residences

Wildfire

Wildfire Risk	Low above 3% of the US · above 6% of Nebraska
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

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