Douglas County property record for 403 E Gardiner St, Valley, NE 68064
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,630 sqft · built 1910 |
| Lot Size | 0.284 acres (12,350 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Dec 2019) |
| Tax Bill | $3,505 (2025) |
| Deeds & Mortgages | Jun 2017 Line of Credit Dec 2020 Line of Credit + 2 more |
| Flood Zone | Zone AO (high risk) |
| APN | 5985-0002-12 |
| Primary APN | 5985-0002-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,630 sqft Living Area |
| Gross Area | 2,688 sqft |
| Basement Area | 902 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,350 sqft (0.284 acres) |
| Lot Dimensions | 130 ft deep x 95 ft wide |
| Garage Type | Carport |
| Garage Area | 440 sqft |
| Carport | Carport |
| Carport Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 228 sqft |
| Deck Area | 24 sqft |
| Storage Building | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R1259850002 |
|---|---|
| Street Address | 403 E GARDINER ST |
| City | VALLEY |
| State | NE |
| Zip | 68064-2611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARRIERS 3RD ADD TO VALLEY LOT 2 BLOCK 2 LOTS 1 & 95 X 130 |
| Legal Subdivision | HARRIERS 3RD ADD TO VALLEY |
| Legal Block | 2 |
| Legal Lot Number | 1-2 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | PLATTE VALLEY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 7504 |
403 E Gardiner St is owned and occupied by two individuals who bought it in December 2019.
Source: Douglas County records, as of June 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 E GARDINER ST, VALLEY, NE 68064-2611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 1, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST NEBRASKA BANK |
| Dec 31, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST NEBRASKA BANK |
| Feb 5, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage FIRST NEBRASKA BANK |
| Jun 27, 2019 | Warranty Deed, Transfer PLATINUM TITLE AND ESCROW LLC, PLATINUM TITLE & ESCROW LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2019 · Amount on File |
| Deed Sale | Dec 3, 2019 · Amount on File |
| Prior Sale | Jun 27, 2019 · Amount on File |
| Deed Document Number | 2019105721 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 403 E GARDINER ST, VALLEY, NE 68064-2611 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017041836 |
|---|---|
| Date | Jun 1, 2017 |
| Instrument | 2017041836 |
| Name | FIRST NEBRASKA BANK |
|---|---|
| Type | Bank |
| Address | VALLEY, NE 68064 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 403 E GARDINER ST, VALLEY, NE 68064-2611 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020157437 |
|---|---|
| Date | Dec 31, 2020 |
| Instrument | 2020157437 |
| Name | FIRST NEBRASKA BANK |
|---|---|
| Type | Bank |
| Address | ELKHORN, NE 68022 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Feb 5, 2021 |
| Property Address | 403 E GARDINER ST, VALLEY, NE 68064-2611 |
| Document Number | 2021016492 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 2021016492 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 2021016493 |
|---|---|
| Date | Feb 5, 2021 |
| Instrument | 2021016493 |
| Name | FIRST NEBRASKA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Jan 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 6.25% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 18% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Jun 27, 2019 |
| Property Address | 403 E GARDINER ST, VALLEY, NE 68064-2611 |
| Document Number | 0000047548 |
| Instrument Date | Jun 19, 2019 |
| Instrument | 47548 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2019 |
| Title Company | PLATINUM TITLE AND ESCROW LLC, PLATINUM TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $146.25 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 403 E GARDINER ST VALLEY NE 680642611, VALLEY, NE 68064-2611 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 403 E Gardiner St was $3,505, up 0.1% from the year before.
Source: Douglas County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Municipality | Valley City |
| Unified School District | Douglas County West Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,505.00 (+0.11%) | $257,200 Land $18,100 Building $239,100 | $257,200 Land $18,100 Building $239,100 |
| 2024 | $3,501.00 (-4.99%) | ||
| 2023 | $3,685.00 (-9.61%) | $229,900 Land $18,100 Building $211,800 | $229,900 Land $18,100 Building $211,800 |
| 2022 | $4,077.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 E Gardiner St in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AO high risk · sheet flow 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 70 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 70 in force |
| Nearby Flood Claims | 79 (1978–2025) |
| Claims Outside the SFHA | 1 of 79 |
| Most Recent Claim | Aug 2025 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
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.
The area around 403 E Gardiner St has no burnable land within ember reach, so its wildfire risk is not rated.
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 VALLEY serves 3,294 people · EPA ID NE3105518 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Great Plains Communications Fiber | 2,000 / 2,000 |
| Cox Communications Cable | 2,000 / 100 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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