Dawes County property record for 402 Spruce St, Chadron, NE 69337
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,200 sqft · built 1950 |
| Lot Size | 0.225 acres (9,800 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,733 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 230005662 |
| Primary APN | 230005662 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 2,400 sqft |
| Unfinished Basement | 1,200 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Split Foyer |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 9,800 sqft (0.225 acres) |
| Lot Dimensions | 140 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 402 SPRUCE ST |
|---|---|
| City | CHADRON |
| State | NE |
| Zip | 69337-2768 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01-SINGLE |
| Legal Description | BLOCK: 94 LOT: 1-&-N20'-OF-2 ADDITION: PTC 3RD |
| Legal Subdivision | ADDITION PTC 3RD |
| Legal Block | 94 |
| Legal Lot Number | 1 |
| Jurisdiction | DAWES NE |
| Township / Civil Division | 03 |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 950700 |
402 Spruce St is owned and occupied by two individuals who acquired it in September 2013.
Source: Dawes County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 402 SPRUCE ST, CHADRON, NE 69337-2768 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2013 |
| Deed Sale | Sep 24, 2013 |
| Deed Document Number | 20131250 |
| Prior Transfer Date | Sep 18, 2013 |
| Prior Transfer Doc | 0201301250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAWES NE |
| Property Address | 402 SPRUCE ST, CHADRON, NE 69337-2768 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 202100151 |
|---|---|
| Date | Feb 2, 2021 |
| Instrument | 2021-00151 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ADDISON, TX 75001 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 402 Spruce St was $2,733.
Source: Dawes County assessment roll, as of March 3, 2026
| Type | Name |
|---|---|
| State | Nebraska |
| County | Dawes County |
| Municipality | Chadron City |
| Unified School District | Chadron Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $206,750 (+4.76%) Land $35,035 Building $171,715 | $206,750 (+4.76%) Land $35,035 Building $171,715 | |
| 2025 | $2,733.00 | $197,355 Land $33,445 Building $163,910 | $197,355 Land $33,445 Building $163,910 |
| 2023 | $3,403.00 | $187,955 Land $31,850 Building $156,105 | $187,955 Land $31,850 Building $156,105 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 Spruce St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 16, 2011 · 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 risk around 402 Spruce St is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 67% of Nebraska |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect 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 CHADRON serves 6,257 people · EPA ID NE3104507 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2023 |
| Lead | 7 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 478 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 60 / 5 |
May also be available: AT&T, Great Plains Communications, T-Mobile, Viaero Wireless.
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