Cedar County property record for 403 Elm St, Laurel, NE 68745
| Property Type | Single Family Home |
|---|---|
| Details | 1,693 sqft · built 1921 |
| Lot Size | 0.241 acres (10,500 sqft) |
| Owner | 2 Individual Names on File |
| Deeds & Mortgages | Jan 2025 Mortgage |
| APN | 0006583.00 |
| Primary APN | 0006583.00 |
|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,693 sqft Living Area |
| 1st Floor Area | 1,073 sqft |
| Basement Area | 344 sqft |
| Unfinished Basement | 344 sqft |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 10,500 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Driveway | Driveway |
| Driveway Area | 1,020 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Deck Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 403 ELM ST |
|---|---|
| City | LAUREL |
| State | NE |
| Zip | 68745-1734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01-SINGLE |
| Legal Description | FIRST ADD-LAUREL L 12 S1/2 L 13 BLK 11 |
| Legal Subdivision | FIRST ADD-LAUREL |
| Legal Block | 11 |
| Jurisdiction | CEDAR NE |
| Township / Civil Division | 21 |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 977200 |
403 Elm St is owned and occupied by two individuals.
Source: Cedar County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 88, LAUREL, NE 68745-0088 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CEDAR NE |
| Property Address | 403 ELM ST, LAUREL, NE 68745-1734 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 403 ELM ST, LAUREL, NE 68745-1734 |
| Document Number | 000374/479 |
|---|---|
| Date | Jan 31, 2025 |
| Book Page | 374/479 |
| Instrument | 2025-00136 |
| Name | SECURITY BANK |
|---|---|
| Type | Bank |
| Address | LAUREL, NE 68745 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2045 |
Source: Cedar County assessment roll, as of February 27, 2026
| Type | Name |
|---|---|
| State | Nebraska |
| County | Cedar County |
| Municipality | Laurel City |
| Unified School District | Laurel-Concord-Coleridge School (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $79,525 (+8.71%) Land $11,625 Building $67,900 | $79,525 (+8.71%) Land $11,625 Building $67,900 | |
| 2025 | Homeowner's exemption | $73,150 Land $5,250 Building $67,900 | $73,150 Land $5,250 Building $67,900 |
| 2023 | Homeowner's exemption | $61,370 Land $5,250 Building $56,120 | $61,370 Land $5,250 Building $56,120 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 403 Elm St; 1 flood insurance policy is in force nearby.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| 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 403 Elm St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Nebraska |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 LAUREL serves 972 people · EPA ID NE3102705 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 5 ppb (2024–2026) action level 15 ppb |
| Water Quality | Nitrate-Nitrite not recorded as resolved · Apr 2026 |
|---|---|
| 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 276 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fastwyre Broadband Cable | 1,000 / 500 |
| T-Mobile Fixed Wireless | 100 / 20 |
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