403 Oak St, Laurel, NE 68745 Property Records

Cedar County property record for 403 Oak St, Laurel, NE 68745

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on Record
Last Sale	$12,000 (Aug 2025)
Tax Bill	$80 (2025)
Deeds & Mortgages	May 2026 Construction Loan Aug 2025 Sale
APN	`0006625.00`

Property Details

APN / Parcel Number

Primary APN	`0006625.00`

Exterior

Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide

Location & Zoning

Street Address	403 OAK ST
City	LAUREL
State	NE
Zip	68745-1729
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	01-SINGLE
Legal Description	FIRST ADD-LAUREL L 12-13 BLK 16
Legal Subdivision	FIRST ADD-LAUREL
Legal Block	16
Jurisdiction	CEDAR NE
Township / Civil Division	21
Census Block Group	2
Census Block	2030
Census Tract	977200

Owner

Source: Cedar County records, as of October 20, 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	403 OAK ST, LAUREL, NE 68745-1729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Construction Mortgage EQUITY BANK
Aug 14, 2025	Deed, Transfer MADISON COUNTY ABSTRACT COMPANY, MADISON COUNTY ABSTRACT CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2025 · Amount on Record
Deed Sale	Aug 14, 2025 · Amount on Record
Deed Document Number	20251160
Deed Book / Page	166 / 452
Prior Transfer Date	Jul 15, 2024
Prior Transfer Doc	0000000866
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR NE
Recording Date	May 26, 2026
Property Address	403 OAK ST, LAUREL, NE 68745-1729
Document Number	0000000812
Book / Page	384 / 330
Instrument Date	Mar 18, 2026
Instrument	2026812
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 OAK ST, LAUREL, NE 68745-1729

Mortgage

Document Number	0000000812,
Date	May 26, 2026
Book Page	384/330
Instrument	2026812

Lender

Name	EQUITY BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CEDAR NE
Recording Date	Aug 14, 2025
Property Address	403 OAK ST, LAUREL, NE 68745-1729
Document Number	000166/452
Book / Page	166 / 452
Instrument Date	Aug 14, 2025
Instrument	2025-01160
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	MADISON COUNTY ABSTRACT COMPANY, MADISON COUNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Tax	$27.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Cedar County assessment roll, as of February 27, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Cedar County
Municipality	Laurel City
Unified School District	Laurel-Concord-Coleridge School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$13,250 (+89.29%) Land $13,250	$13,250 (+89.29%) Land $13,250
2025	$80.00 (-29.2%)	$7,000 (-) Land $7,000	$7,000 (-) Land $7,000
2023	$113.00	$7,000 Land $7,000	$7,000 Land $7,000

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 · 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

May also be available: Nextlink.

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