3751 Spruce St, Lincoln, NE 68516 Property Records

Lancaster County property record for 3751 Spruce St, Lincoln, NE 68516

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,940 sqft · built 1968
Lot Size	0.212 acres (9,248 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Jun 2026)
Tax Bill	$3,390 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2026 Construction Loan + 1 more
Flood Zone	Zone X (moderate risk)
APN	`16-07-207-008-000`

Property Details

APN / Parcel Number

Primary APN	`16-07-207-008-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,940 sqft Living Area
Gross Area	2,578 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Finished Basement	900 sqft
Unfinished Basement	140 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,248 sqft (0.212 acres)
Garage Type	Attached
Garage Area	294 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3751 SPRUCE ST
City	LINCOLN
State	NE
Zip	68516-1054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FIENE TERRACE SECOND ADDITION, BLOCK 5, LOT 8
Legal Subdivision	FIENE TERRACE SECOND ADDITION
Legal Block	5
Legal Lot Number	8
Jurisdiction	LANCASTER NE
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3014
Census Tract	2702

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3751 SPRUCE ST, LINCOLN, NE 68516-1054
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage CHARTER W BANK
Apr 27, 2026	Deed of Trust, Mortgage · Construction Mortgage UNION BANK & TRUST CO
Feb 3, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on Record
Deed Sale	Jun 2, 2026 · Amount on Record
Prior Sale	Feb 3, 2017 · Amount on Record
Deed Document Number	202620307
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER NE
Recording Date	Jun 2, 2026
Property Address	3751 SPRUCE ST, LINCOLN, NE 68516-1054
Document Number	0000020307
Instrument Date	May 21, 2026
Instrument	202620307
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	CONCEPTS CLOSING LLC, CONCEPTS CLOSING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67,952.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3751 SPRUCE ST, LINCOLN, NE 68516-1054

Mortgage

Document Number	0000020308,
Date	Jun 2, 2026
Instrument	202620308

Lender

Name	CHARTER W BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Recording Date	Apr 27, 2026
Property Address	3751 SPRUCE ST, LINCOLN, NE 68516-1054
Document Number	0000015193
Instrument Date	Apr 21, 2026
Instrument	202615193
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3751 SPRUCE ST, LINCOLN, NE 68516-1054

Mortgage

Document Number	0000015193,
Date	Apr 27, 2026
Instrument	202615193

Lender

Name	UNION BANK & TRUST CO

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 21, 2027

Interest

Rate	6.38%
Max Rate	-1%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER NE
Recording Date	Feb 3, 2017
Property Address	3751 SPRUCE ST, LINCOLN, NE 68516-1054
Document Number	0000004842
Instrument Date	Jan 31, 2017
Instrument	2017004842
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	NEBRASKA TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$348.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0000004843
Date	Feb 3, 2017
Instrument	2017004843

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

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	$3,390.00 (-3.94%)	$263,900 (+13.16%) Land $55,000 Building $208,900	$263,900 (+13.16%) Land $55,000 Building $208,900
2024	$3,529.00 (-9.7%)
2023	$3,908.00	$233,200 Land $50,000 Building $183,200	$233,200 Land $50,000 Building $183,200

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1989)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1989 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.9% of Nebraska
Wildfire Likelihood	Under 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 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 254 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: AT&T, Nextlink.

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