402 E Central St, Clay Center, NE 68933 Property Records

Clay County property record for 402 E Central St, Clay Center, NE 68933

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1968
Lot Size	0.196 acres (8,526 sqft)
Owner	Individual Name on Record
Last Sale	$181,000 (Jul 2022)
Tax Bill	$2,186 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3759-00-0-10065-000-4702`

Property Details

APN / Parcel Number

Primary APN	`3759-00-0-10065-000-4702`
Alternative APN	`000470200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	2,116 sqft
Finished Basement	57 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Bi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	8,526 sqft (0.196 acres)
Lot Dimensions	98 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	616 sqft
Driveway	Driveway
Driveway Area	840 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Deck Area	96 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	402 E CENTRAL ST
City	CLAY CENTER
State	NE
Zip	68933-1029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	E 87' OF LOT 6 FLESNERS ADD CLAY CENTER CITY
Legal Subdivision	FLESNERS ADD
Legal Lot Number	6
Jurisdiction	CLAY NE
Township / Civil Division	CLAY CENTER
Census Block Group	1
Census Block	1003
Census Tract	962200

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	402 E CENTRAL ST, CLAY CENTER, NE 68933-1029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Commercial Mortgage CS BANK
Jul 7, 2022	Warranty Deed, Transfer · Conventional Mortgage FOUR POINTS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2022 · Amount on Record
Deed Sale	Jul 7, 2022 · Amount on Record
Deed Document Number	2022765
Deed Book / Page	135 / 238
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	402 E CENTRAL ST, CLAY CENTER, NE 68933-1029
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E CENTRAL ST, CLAY CENTER, NE 68933-1029

Mortgage

Document Number	0000270/37
Date	Jun 27, 2022
Book Page	270/37
Instrument	2022-00714

Lender

Name	CS BANK
Type	Bank
Address	CLAY CENTER, NE 68933

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Jul 7, 2022
Property Address	402 E CENTRAL ST, CLAY CENTER, NE 68933-1029
Document Number	000135/238
Book / Page	135 / 238
Instrument Date	Jul 1, 2022
Instrument	2022-00765
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	NOT AVAILABLE, ADAMS LAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$407.25
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

Mortgage

Document Number	0202200766
Date	Jul 7, 2022
Instrument	2022-00766

Lender

Name	FOUR POINTS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Nebraska
County	Clay County
Municipality	Clay Center City
Unified School District	Sandy Creek Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$182,500 (+8.16%) Land $15,005 Building $167,495	$182,500 (+8.16%) Land $15,005 Building $167,495
2025	$2,186.00 (-0.41%)	$168,725 (+23.71%) Land $13,640 Building $155,085	$168,725 (+23.71%) Land $13,640 Building $155,085
2023	$2,195.00	$136,390 Land $10,660 Building $125,730	$136,390 Land $10,660 Building $125,730

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	1 in force

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 CLAY CENTER serves 730 people · EPA ID NE3103506
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	4 ppb (2024–2026) action level 15 ppb

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

Provider	Max Down / Up (Mbps)
Glenwood Telecommunications Fiber	1,000 / 1,000
Zito Media Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Windstream DSL	200 / 20
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile, Viaero Wireless.

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