3523 Smith St, Lincoln, NE 68506 Property Records

Lancaster County property record for 3523 Smith St, Lincoln, NE 68506

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,794 sqft · built 1953
Lot Size	0.17 acres (7,412 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Mar 2026)
Tax Bill	$2,928 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-31-425-002-000`

Property Details

APN / Parcel Number

Primary APN	`17-31-425-002-000`
Alternative APN	`104664`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,794 sqft Living Area
Gross Area	2,224 sqft
1st Floor Area	944 sqft
Basement Area	944 sqft
Finished Basement	850 sqft
Unfinished Basement	94 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,412 sqft (0.17 acres)
Lot Width	69 ft Width
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3523 SMITH ST
City	LINCOLN
State	NE
Zip	68506-6644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PETERSONS SOUTHEAST SUMMIT FIRST ADDITION, BLOCK 2, LOT 2, & LOT 3 W10 N20.65
Legal Subdivision	PETERSONS SOUTHEAST SUMMIT FIRST ADDITIO
Legal Block	2
Legal Lot Number	2,3
Jurisdiction	LANCASTER NE
Township / Civil Division	LINCOLN
Census Block Group	4
Census Block	4005
Census Tract	2500

Owner

3523 Smith St is owned and occupied by an individual who bought it in March 2026.

Source: Lancaster County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	3523 SMITH ST, LINCOLN, NE 68506-6644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Nov 24, 2021	Deed of Trust, Mortgage · Line of Credit NEBRASKA BANK OF COMMERCE
Mar 13, 2026	Warranty Deed, Transfer · Conventional Mortgage MIDWEST BANK
Nov 18, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION BANK & TRUST CO
Sep 5, 2019	Warranty Deed, Transfer HOMESERVICES TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2026 · Amount on File
Deed Sale	Mar 13, 2026 · Amount on File
Prior Sale	Nov 18, 2020 · Amount on File
Deed Document Number	20268640
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Property Address	3523 SMITH ST, LINCOLN, NE 68506-6644
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069530
Date	Nov 24, 2021
Instrument	2021069530

Lender

Name	NEBRASKA BANK OF COMMERCE
Type	Bank
Address	LINCOLN, NE 68516

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER NE
Recording Date	Mar 13, 2026
Property Address	3523 SMITH ST, LINCOLN, NE 68506-6644
Document Number	0000008640
Instrument Date	Mar 10, 2026
Instrument	2026008640
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	HOMESERVICES TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$638.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008641
Date	Mar 13, 2026
Instrument	2026008641

Lender

Name	MIDWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER NE
Recording Date	Nov 18, 2020
Property Address	3523 SMITH ST, LINCOLN, NE 68506-6644
Document Number	0000062016
Instrument Date	Nov 3, 2020
Instrument	2020062016
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHARTER T&E SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.50
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 with Right of Survivorship

Mortgage

Document Number	0000062017
Date	Nov 18, 2020
Instrument	2020062017

Lender

Name	UNION BANK & TRUST CO
Type	Bank

Agreement

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER NE
Recording Date	Sep 5, 2019
Property Address	3523 SMITH ST, LINCOLN, NE 68506-6644
Document Number	0000034071
Instrument Date	Aug 19, 2019
Instrument	34071
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	HOMESERVICES TITLE

Transaction

Amount	Amount on Record
Tax	$258.75
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3523 SMITH ST LINCOLN NE 685066644, LINCOLN, NE 68506-6644

Tax Assessment & Valuation

The 2025 property tax bill for 3523 Smith St was $2,928, down 4.1% from the year before.

Source: Lancaster County assessment roll, as of October 13, 2025

Property Jurisdictions

Type	Name
State	Nebraska
County	Lancaster County
Municipality	Lincoln City
Unified School District	Lincoln Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,928.00 (-4.06%)	$227,900 Land $43,000 Building $184,900	$227,900 Land $43,000 Building $184,900
2024	$3,052.00 (-17.56%)
2023	$3,702.00	$220,900 Land $38,000 Building $182,900	$220,900 Land $38,000 Building $182,900

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

Flood

FEMA maps place 3523 Smith St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · 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 Claims	1 (1998)
Most Recent Claim	May 1998 · river or lake flooding

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

The area around 3523 Smith St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 LINCOLN serves 296,000 people · EPA ID NE3110926
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	5 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 591 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Allo Communications Fiber	2,300 / 2,300
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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