Douglas County property record for 3905 Spencer St, Omaha, NE 68111
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,244 sqft · built 1953 |
| Lot Size | 0.107 acres (4,640 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $155,000 (Apr 2024) |
| Tax Bill | $2,526 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1826-0000-25 |
| Primary APN | 1826-0000-25 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,244 sqft Living Area |
| Gross Area | 1,908 sqft |
| Basement Area | 804 sqft |
| Finished Basement | 200 sqft |
| Unfinished Basement | 604 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Multi-Level |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,640 sqft (0.107 acres) |
| Lot Dimensions | 116 ft deep x 40 ft wide |
| Garage Type | Basement |
| Garage Area | 1 sqft |
| Porch | Covered Slab |
| Porch Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R2518260000 |
|---|---|
| Street Address | 3905 SPENCER ST |
| City | OMAHA |
| State | NE |
| Zip | 68111-3132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R435 |
| Legal Description | WESTMORELAND LOT 109 BLOCK 0 40 X 116.3 |
| Legal Subdivision | WESTMORELAND |
| Legal Lot Number | 109 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | OMAHA |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 5300 |
Source: Douglas County records, as of June 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3905 SPENCER ST, OMAHA, NE 68111-3132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2024 · Amount on Record |
| Deed Sale | Apr 3, 2024 · Amount on Record |
| Prior Sale | Nov 17, 2023 · Amount on Record |
| Deed Document Number | 202420367 |
| Prior Transfer Date | Sep 8, 2003 |
| Prior Transfer Doc | 0000171125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Apr 3, 2024 |
| Property Address | 3905 SPENCER ST, OMAHA, NE 68111-3132 |
| Document Number | 0000020367 |
| Instrument Date | Mar 21, 2024 |
| Instrument | 2024020367 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2024 |
| Title Company | UNITY TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $348.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000020368 |
|---|---|
| Date | Apr 3, 2024 |
| Instrument | 2024020368 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Number | 0000020369 |
|---|---|
| Date | Apr 3, 2024 |
| Instrument | 2024020369 |
| Name | NEBRASKA INVESTMENT FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | LINCOLN, NE 68508 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Douglas County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Municipality | Omaha City |
| Unified School District | Omaha Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,526.00 (+105.87%) | $151,100 (+99.08%) Land $7,300 Building $143,800 | $151,100 (+99.08%) Land $7,300 Building $143,800 |
| 2024 | $1,227.00 (-23.36%) | ||
| 2023 | $1,601.00 (+40.56%) | $75,900 Land $7,300 Building $68,600 | $75,900 Land $7,300 Building $68,600 |
| 2022 | $1,139.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | METROPOLITAN UTILITIES DISTRICT serves 660,000 people · EPA ID NE3105507 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 12 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 463 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: FiberFirst, Google Fiber, Nextlink, T-Mobile, Western Iowa Wireless.
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