Douglas County property record for 3909 Spencer St, Omaha, NE 68111
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,002 sqft · built 1955 |
| Lot Size | 0.106 acres (4,640 sqft) |
| Owner | Individual Name on File |
| Last Sale | $101,500 (Feb 2020) |
| Tax Bill | $2,141 (2024) |
| Deeds & Mortgages | Jun 2023 Line of Credit Feb 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R2518270000 |
| Primary APN | R2518270000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,002 sqft Living Area |
| Basement Area | 810 sqft |
| Finished Basement | 200 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,640 sqft (0.106 acres) |
| Lot Dimensions | 116 ft deep x 40 ft wide |
| Garage Type | Basement |
| Garage Area | 200 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 60 sqft |
| Patio Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R2518270000 |
|---|---|
| Street Address | 3909 SPENCER ST |
| City | OMAHA |
| State | NE |
| Zip | 68111-3132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTMORELAND LOT 110 BLOCK 0 40 X 116.3 |
| Legal Subdivision | WESTMORELAND |
| Legal Lot Number | 110 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | OMAHA |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 5300 |
3909 Spencer St is owned and occupied by an individual who bought it in February 2020.
Source: Douglas County records, as of March 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3909 SPENCER ST, OMAHA, NE 68111-3132 |
| 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.
| Date | Document |
|---|---|
| Jun 30, 2023 | Deed of Trust, Mortgage · Line of Credit CENTRIS FCU |
| Feb 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage REGENT FINANCIAL GROUP INC |
| Oct 11, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 14, 2020 · Amount on File |
| Deed Sale | Feb 14, 2020 · Amount on File |
| Prior Sale | Oct 11, 2019 · Amount on File |
| Deed Document Number | 0202014507 |
| Deed Book / Page | 2020 / 14507 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 3909 SPENCER ST, OMAHA, NE 68111-3132 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000047299 |
|---|---|
| Date | Jun 30, 2023 |
| Instrument | 2023047299 |
| Name | CENTRIS FCU |
|---|---|
| Type | Credit Union |
| Address | OMAHA, NE 68144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 29, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Feb 14, 2020 |
| Property Address | 3909 SPENCER ST, OMAHA, NE 68111-3132 |
| Document Number | 2020014507 |
| Instrument Date | Feb 11, 2020 |
| Instrument | 2020014507 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Title Company | AMBASSADOR TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $229.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 2020014508 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 2020014508 |
| Name | REGENT FINANCIAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Oct 11, 2019 |
| Property Address | 3909 SPENCER ST, OMAHA, NE 68111-3132 |
| Document Number | 0000087091 |
| Instrument Date | Oct 4, 2019 |
| Instrument | 87091 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $78.75 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3909 SPENCER ST OMAHA NE 681113132, OMAHA, NE 68111-3132 |
| Investor | Possibly a Property Investor |
Source: Douglas County assessment roll, as of December 31, 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 | $156,200 Land $7,300 Building $148,900 | $156,200 Land $7,300 Building $148,900 | |
| 2024 | $2,141.00 (-23.34%) | ||
| 2023 | $2,793.00 (+65.46%) | $132,400 Land $7,300 Building $125,100 | $132,400 Land $7,300 Building $125,100 |
| 2022 | $1,688.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3909 Spencer St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3909 Spencer St is low, with less than a 0.01% annual chance of wildfire.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures