Douglas County property record for 320 N 245th Cir, Waterloo, NE 68069
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 3 ba · 2,165 sqft · built 2007 |
| Lot Size | 0.786 acres (34,275 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $157,000 (Aug 2006) |
| Tax Bill | $13,348 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | R2524500562 |
| Primary APN | R2524500562 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,165 sqft Living Area |
| Basement Area | 2,921 sqft |
| Finished Basement | 1,803 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 2007 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 34,275 sqft (0.786 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Attached |
| Garage Area | 1,130 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 1,158 sqft |
| Deck Area | 210 sqft |
| Patio Area | 469 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | R2524500562 |
|---|---|
| Street Address | 320 N 245TH CIR |
| City | WATERLOO |
| State | NE |
| Zip | 68069-4846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF-2 |
| Legal Description | WEST SHORES LOT 227 BLOCK 0 IRREG |
| Legal Subdivision | WEST SHORES |
| Legal Lot Number | 227 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 7508 |
320 N 245th Cir is owned and occupied by two individuals who bought it in August 2006.
Source: Douglas County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 N 245TH CIR, WATERLOO, NE 68069-4846 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LINCOLN FEDERAL SAVINGS BANK OF NEBRSKA |
| Dec 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LINCOLN FEDERAL SAVINGS BANK OF NEBRASKA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2006 · Amount on File |
| Deed Sale | Aug 3, 2006 · Amount on File |
| Deed Document Number | 0200689653 |
| Deed Book / Page | 2006 / 89653 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 320 N 245TH CIR, WATERLOO, NE 68069-4846 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003991 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 2021003991 |
| Name | LINCOLN FEDERAL SAVINGS BANK OF NEBRSKA |
|---|---|
| Address | LINCOLN, NE 68520 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 320 N 245TH CIR, WATERLOO, NE 68069-4846 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000115599 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 2019115599 |
| Name | LINCOLN FEDERAL SAVINGS BANK OF NEBRASKA |
|---|---|
| Type | Bank |
| Address | LINCOLN, NE 68508 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
Source: Douglas County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Unified School District | Douglas County West Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,081,400 Land $255,700 Building $825,700 | $1,081,400 Land $255,700 Building $825,700 | |
| 2024 | $13,348.00 (-6.94%) | ||
| 2023 | $14,344.00 (-10.1%) | $889,200 Land $255,700 Building $633,500 | $889,200 Land $255,700 Building $633,500 |
| 2022 | $15,955.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 N 245th Cir 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 |
|
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 risk around 320 N 245th Cir is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 88% of Nebraska |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 80 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 |
| Verizon Fixed Wireless | 300 / 20 |
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