Lancaster County property record for 3911 Spruce St, Lincoln, NE 68516
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,944 sqft · built 1966 |
| Lot Size | 0.212 acres (9,248 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $318,000 (Sep 2025) |
| Tax Bill | $3,599 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Sep 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-07-207-002-000 |
| Primary APN | 16-07-207-002-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Building Area | 1,944 sqft Living Area |
| Gross Area | 2,856 sqft |
| 1st Floor Area | 1,544 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 80 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| 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 | 832 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3911 SPRUCE ST |
|---|---|
| City | LINCOLN |
| State | NE |
| Zip | 68516-1058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FIENE TERRACE SECOND ADDITION, BLOCK 5, LOT 2 |
| Legal Subdivision | FIENE TERRACE SECOND ADDITION |
| Legal Block | 5 |
| Legal Lot Number | 2 |
| Jurisdiction | LANCASTER NE |
| Township / Civil Division | LINCOLN |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 2702 |
Source: Lancaster County records, as of June 16, 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 | 3911 SPRUCE ST, LINCOLN, NE 68516-1058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed of Trust, Mortgage · Line of Credit UNION BANK & TRUST CO |
| Sep 2, 2025 | Deed of Trust, Mortgage · Line of Credit LINCOLN FEDERAL SAVINGS BANK OF NEBRASKA |
| Sep 30, 2025 | Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2025 · Amount on Record |
| Deed Sale | Sep 30, 2025 · Amount on Record |
| Prior Sale | Jun 20, 2008 · Amount on Record |
| Deed Document Number | 202533109 |
| Prior Transfer Date | Nov 22, 2005 |
| Prior Transfer Doc | 0000069424 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER NE |
| Property Address | 3911 SPRUCE ST, LINCOLN, NE 68516-1058 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000034102 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 2021034102 |
| Name | UNION BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LINCOLN, NE 68501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | May 26, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER NE |
| Property Address | 3911 SPRUCE ST, LINCOLN, NE 68516-1058 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000029453 |
|---|---|
| Date | Sep 2, 2025 |
| Instrument | 2025029453 |
| Name | LINCOLN FEDERAL SAVINGS BANK OF NEBRASKA |
|---|---|
| Type | Bank |
| Address | LINCOLN, NE 68501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 2, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER NE |
| Recording Date | Sep 30, 2025 |
| Property Address | 3911 SPRUCE ST, LINCOLN, NE 68516-1058 |
| Document Number | 0000033109 |
| Instrument Date | Sep 22, 2025 |
| Instrument | 2025033109 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Title Company | HOMESERVICES TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $737.76 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000033110 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 2025033110 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
Source: Lancaster County assessment roll, as of October 13, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Lancaster County |
| Municipality | Lincoln City |
| Unified School District | Lincoln Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,599.00 (-11.81%) | $280,100 (+15.03%) Land $55,000 Building $225,100 | $280,100 (+15.03%) Land $55,000 Building $225,100 |
| 2023 | $4,081.00 | $243,500 Land $50,000 Building $193,500 | $243,500 Land $50,000 Building $193,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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 490 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 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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