3896 O Rd, Talmage, NE 68448 Property Records

Otoe County property record for 3896 O Rd, Talmage, NE 68448

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,494 sqft · built 2004
Lot Size	10.5 acres (461,300 sqft)
Owner	Individual Name on Record
Tax Bill	$6,413 (2025)
Deeds & Mortgages	Jan 2024 Sale & Line of Credit Jan 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`003016500`

Property Details

APN / Parcel Number

Primary APN	`003016500`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,494 sqft Living Area
Gross Area	3,661 sqft
1st Floor Area	1,884 sqft
Attic	Attic
Attic Area	354 sqft
Basement Area	1,012 sqft
Finished Basement	1,866 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Construction Type	Brick
Roof Type	Gable
Roof Material	Built-Up Asphalt
Lot Area	461,300 sqft (10.5 acres)
Garage Type	Attached
Garage Area	676 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	30 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3896 O RD
City	TALMAGE
State	NE
Zip	68448-3036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRICULTUR
Legal Description	17-7-12 TRACT 17-A IN PT OF THE E 665' NE1/4 NW1/4 10.59 AC MCWILLIAMS; MAP NUMBER: 3725-17-2-70000-000-0000
Legal Range	12
Legal Township	07
Legal Section	17
Legal Subdivision	RURAL AG
Legal Tract	17-A
Jurisdiction	OTOE NE
Township / Civil Division	MCWILLIAMS
Census Block Group	1
Census Block	1190
Census Tract	966700

Owner

Source: Otoe County records, as of June 2, 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	3896 O RD, TALMAGE, NE 68448-3036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Warranty Deed, Transfer · Line of Credit RIVERSTONE BANK
Jan 18, 2022	Deed of Trust, Mortgage · Line of Credit FIRSTBANK OF NEBRASKA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 6, 2023
Transfer Doc	0000002270
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTOE NE
Recording Date	Jan 3, 2024
Property Address	3896 O RD, TALMAGE, NE 68448-3036
Document Number	0202400040
Instrument Date	Dec 28, 2023
Instrument	202400040
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	OTOE COUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0202400042
Date	Jan 3, 2024
Instrument	202400042

Lender

Name	RIVERSTONE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 12, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	3896 O RD, TALMAGE, NE 68448-3036
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 196, TALMAGE, NE 68448-0196

Mortgage

Document Number	0202200162
Date	Jan 18, 2022
Instrument	202200162

Lender

Name	FIRSTBANK OF NEBRASKA
Type	Bank
Address	SYRACUSE, NE 68446

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	344 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Otoe County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Otoe County
Unified School District	Syracuse-Dunbar-Avoca Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,413.00 (-45.49%)	$790,954 (-2.64%) Land $74,114 Building $716,840	$790,954 (-2.64%) Land $74,114 Building $716,840
2023	$11,764.00 (+37.4%)	$812,407 (+36.28%) Land $95,567 Building $716,840	$812,407 (+36.28%) Land $95,567 Building $716,840
2022	$8,562.00	$596,118 Land $83,838 Building $512,280	$596,118 Land $83,838 Building $512,280

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 February 18, 2011 · 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	9 in force
Nearby Flood Claims	5 (1982–2010)
Most Recent Claim	Jun 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2010 · 2 claims

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	Moderate above 46% of the US · lower than 64% of Nebraska
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Pinpoint Communications Fiber	1,000 / 1,000
Nextlink Fixed Wireless	100 / 20

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