3801 Spruce St, Lincoln, NE 68516 Property Records

Lancaster County property record for 3801 Spruce St, Lincoln, NE 68516

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,008 sqft · built 1969
Lot Size	0.212 acres (9,248 sqft)
Owner	Individual Name on Record
Last Sale	$156,000 (Oct 2014)
Tax Bill	$4,693 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`16-07-207-007-000`

Property Details

APN / Parcel Number

Primary APN	`16-07-207-007-000`
Alternative APN	`62224`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,008 sqft Living Area
Gross Area	2,680 sqft
1st Floor Area	1,108 sqft
Basement Area	1,092 sqft
Finished Basement	900 sqft
Unfinished Basement	192 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,248 sqft (0.212 acres)
Lot Dimensions	136 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3801 SPRUCE ST
City	LINCOLN
State	NE
Zip	68516-1056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FIENE TERRACE SECOND ADDITION, BLOCK 5, LOT 7
Legal Subdivision	FIENE TERRACE SECOND ADDITION
Legal Block	5
Legal Lot Number	7
Jurisdiction	LANCASTER NE
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3014
Census Tract	2702

Owner

Source: Lancaster County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3801 SPRUCE ST, LINCOLN, NE 68516-1056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEBRASKA STATE EMPLOYEES CU
Mar 9, 2022	Intrafamily Transfer, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF OMAHA
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA
Mar 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 5, 2019	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2014 · Amount on Record
Deed Sale	Oct 2, 2014 · Amount on Record
Prior Sale	Nov 4, 2002 · Amount on Record
Deed Document Number	201438020
Prior Transfer Date	Sep 27, 1999
Prior Transfer Doc	0000052818
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Property Address	3801 SPRUCE ST, LINCOLN, NE 68516-1056
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000043993
Date	Dec 23, 2025
Instrument	2025043993

Lender

Name	NEBRASKA STATE EMPLOYEES CU
Type	Credit Union
Address	LINCOLN, NE 68508

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2036

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER NE
Recording Date	Mar 9, 2022
Property Address	3801 SPRUCE ST, LINCOLN, NE 68516-1056
Document Number	0000010783
Instrument Date	Mar 7, 2022
Instrument	2022010783
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust

Mortgage

Document Number	0000010774
Date	Mar 9, 2022
Instrument	2022010774

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Property Address	3801 SPRUCE ST, LINCOLN, NE 68516-1056
Transaction Type	Mortgage
Record Updated	Jan 27, 2022
Title Company	STEWART TITLE/CALDWELL, STC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002642
Date	Jan 18, 2022
Instrument	2022002642

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Property Address	3801 SPRUCE ST, LINCOLN, NE 68516-1056
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHARTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009412
Date	Mar 25, 2019
Instrument	2019009412

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Property Address	3801 SPRUCE ST, LINCOLN, NE 68516-1056
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012845
Date	Mar 27, 2020
Instrument	2020012845

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LANCASTER NE
Property Address	3801 SPRUCE ST, LINCOLN, NE 68516-1056
Document Number	0000050039
Instrument Date	Nov 5, 2019
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 SPRUCE ST LINCOLN NE 685161056, LINCOLN, NE 68516-1056

Mortgage

Document Number	0000050039
Date	Dec 10, 2019
Instrument	50039

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

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	$4,693.00 (+28.47%)	$265,700 (+10.02%) Land $55,000 Building $210,700	$265,700 (+10.02%) Land $55,000 Building $210,700
2024	$3,653.00 (-9.74%)
2023	$4,047.00	$241,500 Land $50,000 Building $191,500	$241,500 Land $50,000 Building $191,500

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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