3605 E Cedar Hills Dr, Kearney, NE 68845 Property Records

Buffalo County property record for 3605 E Cedar Hills Dr, Kearney, NE 68845

Property Summary

Property Type	Single Family Home
Details	0.5 ba · 1,644 sqft · built 1996
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,909 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`5807251509423`

Property Details

APN / Parcel Number

Primary APN	`5807251509423`
Alternative APNs	`3651-31-1-05851-001-0007` `580725150`

Interior

Full Baths	0.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	1,644 sqft Total Area
1st Floor Area	1,644 sqft
Basement Area	1,592 sqft
Finished Basement	1,433 sqft
Unfinished Basement	159 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	41,382 sqft (0.95 acres)
Lot Dimensions	203 ft deep x 203 ft wide
Garage Type	Mixed
Garage Area	1,152 sqft
Driveway	Concrete Driveway
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	222 sqft
Deck Area	360 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	5807251509423
Street Address	3605 E CEDAR HILLS DR
City	KEARNEY
State	NE
Zip	68845-9686
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE FAM
Legal Description	CEDAR HILLS SUB CL-TWP LT 7 BLK 1 31-9-16
Legal Range	16
Legal Township	09
Legal Section	31
Legal Subdivision	CEDAR HILLS SUB
Legal Block	1
Legal Lot Number	7
Jurisdiction	BUFFALO NE
Township / Civil Division	26
Census Block Group	3
Census Block	3017
Census Tract	969204

Owner

3605 E Cedar Hills Dr is owned and occupied by two individuals.

Source: Buffalo County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3605 E CEDAR HILLS DR, KEARNEY, NE 68845-9686
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
Apr 7, 2026	Deed of Trust · Line of Credit HEARTLAND BANK
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	BUFFALO NE
Recording Date	Apr 7, 2026
Property Address	3605 E CEDAR HILLS DR, KEARNEY, NE 68845-9686
Document Number	0000001751
Instrument Date	Mar 31, 2026
Instrument	20261751
Record Updated	Apr 17, 2026
Title Company	SIMPLIFILE (RECORDING SERVIC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3605 E CEDAR HILLS DR, KEARNEY, NE 68845-9686

Mortgage

Document Number	0000001751,
Date	Apr 7, 2026
Instrument	20261751

Lender

Name	HEARTLAND BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUFFALO NE
Recording Date	Apr 7, 2026
Property Address	3605 E CEDAR HILLS DR, KEARNEY, NE 68845-9686
Document Number	0202601751
Instrument Date	Mar 31, 2026
Instrument	20261751
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3605 E CEDAR HILLS DR, KEARNEY, NE 68845-9686

Mortgage

Document Number	0000001751,
Date	Apr 7, 2026
Instrument	20261751

Lender

Name	HEARTLAND BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3605 E Cedar Hills Dr was $3,909.

Source: Buffalo County assessment roll, as of February 3, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Buffalo County
Unified School District	Kearney Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$369,600 (+7.02%) Land $24,125 Building $345,475	$369,600 (+7.02%) Land $24,125 Building $345,475
2025	$3,909.00	$345,360 Land $24,125 Building $321,235	$345,360 Land $24,125 Building $321,235
2023	$4,593.00	$290,240 Land $30,270 Building $259,970	$290,240 Land $30,270 Building $259,970

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

Flood

FEMA maps place 3605 E Cedar Hills Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 24, 2017 · 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 Policies	2 in force

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 3605 E Cedar Hills Dr is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 69% of Nebraska
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, Rise Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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