401 S Main Ave, Sutton, NE 68979 Property Records

Clay County property record for 401 S Main Ave, Sutton, NE 68979

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,234 sqft · built 1909
Lot Size	0.309 acres (13,440 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Mar 2018)
Tax Bill	$2,281 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Mar 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`3757-00-0-77010-035-8345`

Property Details

APN / Parcel Number

Primary APN	`3757-00-0-77010-035-8345`
Alternative APN	`000834500`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,234 sqft Living Area
1st Floor Area	1,234 sqft
Basement Area	1,505 sqft
Finished Basement	912 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,440 sqft (0.309 acres)
Lot Dimensions	140 ft deep x 96 ft wide
Garage Type	Mixed
Garage Area	2,102 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 S MAIN AVE
City	SUTTON
State	NE
Zip	68979-2107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	LOTS 1 & 2 BLK 35 1ST ADD SUTTON CITY
Legal Subdivision	1ST ADD
Legal Block	35
Legal Lot Number	1,2
Jurisdiction	CLAY NE
Township / Civil Division	SUTTON
Census Block Group	4
Census Block	4044
Census Tract	962100

Owner

Source: Clay County records, as of August 18, 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	PO BOX 292, SUTTON, NE 68979-0292
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage ASTRA BANK
Mar 13, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2018 · Amount on Record
Deed Sale	Mar 13, 2018 · Amount on Record
Deed Document Number	2018243
Deed Book / Page	131 / 354
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	401 S MAIN AVE, SUTTON, NE 68979-2107
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000254/165
Date	Nov 26, 2018
Book Page	254/165
Instrument	2018-01052

Lender

Name	ASTRA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 16, 2028

Interest

Rate Type	Fixed Rate

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Mar 13, 2018
Property Address	401 S MAIN AVE, SUTTON, NE 68979-2107
Document Number	000131/354
Book / Page	131 / 354
Instrument Date	Mar 7, 2018
Instrument	2018-00243
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Tax Assessment & Valuation

Source: Clay County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Clay County
Municipality	Sutton City
Unified School District	Sutton Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$173,460 (+10.48%) Land $12,065 Building $161,395	$173,460 (+10.48%) Land $12,065 Building $161,395
2025	$2,281.00 (-10.37%)	$157,010 (+15.29%) Land $6,030 Building $150,980	$157,010 (+15.29%) Land $6,030 Building $150,980
2023	$2,545.00	$136,185 Land $6,030 Building $130,155	$136,185 Land $6,030 Building $130,155

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 July 4, 2018 · 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	6 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017 · 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 94% of the US · lower than 89% of Nebraska
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 SUTTON serves 1,447 people · EPA ID NE3103507
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	3 ppb (2023–2025) action level 15 ppb
Copper	1.63 mg/L (2019) action level 1.3 mg/L

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Glenwood Telecommunications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Zito Media Cable	100 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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