321 8th St, Saint Paul, NE 68873 Property Records

Howard County property record for 321 8th St, Saint Paul, NE 68873

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,444 sqft · built 1885
Lot Size	0.242 acres (10,560 sqft)
Owner	Individual Name on File
Last Sale	$172,000 (Aug 2021)
Tax Bill	$2,226 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2917-00-0-11001-104-0438`

Property Details

APN / Parcel Number

Primary APN	`2917-00-0-11001-104-0438`
Alternative APN	`470998152`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,444 sqft
Basement Area	288 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,560 sqft (0.242 acres)
Lot Dimensions	120 ft deep x 88 ft wide
Garage Type	Detached
Garage Area	300 sqft
Driveway	Driveway
Driveway Area	319 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	160 sqft
Utility Building	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	321 8TH ST
City	SAINT PAUL
State	NE
Zip	68873-2433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE FAMILY
Legal Description	LOT 1 & N 22' OF LOT 2 BLOCK 104 OT ST PAUL
Legal Block	104
Legal Lot Number	1,2
Jurisdiction	HOWARD NE
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2088
Census Tract	970600

Owner

321 8th St is owned and occupied by an individual who bought it in August 2021.

Source: Howard County records, as of March 9, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	321 8TH ST, SAINT PAUL, NE 68873-2433
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Warranty Deed, Transfer · Conventional Mortgage GATEWAY MORTGAGE CORP
Jul 23, 2019	Warranty Deed, Transfer · Conventional Mortgage CHARTER WEST BANK
Jul 27, 2018	Joint Tenancy Deed, Transfer · Conventional Mortgage HOMESTEAD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2021 · Amount on File
Deed Sale	Aug 16, 2021 · Amount on File
Prior Sale	Jul 23, 2019 · Amount on File
Deed Document Number	2021-01147
Deed Book / Page	21 / 4901
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD NE
Recording Date	Aug 16, 2021
Property Address	321 8TH ST, SAINT PAUL, NE 68873-2433
Document Number	00021/4901
Book / Page	21 / 4901
Instrument Date	Jul 28, 2021
Instrument	2021-01147
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	GRAND ISLAND ABSTRACT ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$387.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	00021/4902
Date	Aug 16, 2021
Book Page	21/4902
Instrument	2021-01148

Lender

Name	GATEWAY MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD NE
Recording Date	Jul 23, 2019
Property Address	321 8TH ST, SAINT PAUL, NE 68873-2433
Document Number	00019/2913
Book / Page	19 / 2913
Instrument Date	Jul 23, 2019
Instrument	2019-00763
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	DVORACEK TITLE & BUSINESS SE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	00019/2914
Date	Jul 23, 2019
Book Page	19/2914
Instrument	2019-00764

Lender

Name	CHARTER WEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

July 2018: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	HOWARD NE
Recording Date	Jul 27, 2018
Property Address	321 8TH ST, SAINT PAUL, NE 68873-2433
Document Number	00018/3342
Book / Page	18 / 3342
Instrument Date	Jul 23, 2018
Instrument	2018-00876
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	DVORACEK TITLE

Transaction

Amount	Amount on Record
Tax	$155.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	00018/3343
Date	Jul 27, 2018
Book Page	18/3343
Instrument	2018-00877

Lender

Name	HOMESTEAD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 321 8th St was $2,226.

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

Property Jurisdictions

Type	Name
State	Nebraska
County	Howard County
Municipality	St. Paul City
Unified School District	St. Paul Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,226.00	$178,994 Land $25,840 Building $153,154	$178,994 Land $25,840 Building $153,154
2023	$2,531.00	$142,682 Land $25,840 Building $116,842	$142,682 Land $25,840 Building $116,842

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

Flood

FEMA maps place 321 8th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 8, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 321 8th St is low, with 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 80% of the US · lower than 82% of Nebraska
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 ST PAUL serves 2,416 people · EPA ID NE3109306
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	3 ppb (2024–2026) action level 15 ppb

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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Viaero Wireless.

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