Clay County property record for 404 E Central St, Clay Center, NE 68933
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 960 sqft · built 1973 |
| Lot Size | 0.225 acres (9,800 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,714 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 3759-00-0-10065-000-4703 |
| Primary APN | 3759-00-0-10065-000-4703 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 1,632 sqft |
| Finished Basement | 960 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,800 sqft (0.225 acres) |
| Lot Dimensions | 98 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Driveway | Driveway |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 404 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 | LOT 7 FLESNERS ADD CLAY CENTER CITY |
| Legal Subdivision | FLESNERS ADD |
| Legal Lot Number | 7 |
| Jurisdiction | CLAY NE |
| Township / Civil Division | CLAY CENTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 962200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 404 E CENTRAL ST, CLAY CENTER, NE 68933-1029 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NE |
| Property Address | 404 E CENTRAL ST, CLAY CENTER, NE 68933-1029 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 404 E CENTRAL ST, CLAY CENTER, NE 68933-1029 |
| Document Number | 0202600337 |
|---|---|
| Date | Feb 20, 2026 |
| Instrument | 202600337 |
| Name | HEARTLAND BANK |
|---|---|
| Type | Bank |
| Address | GENEVA, NE 68361 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Clay County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Nebraska |
| County | Clay County |
| Municipality | Clay Center City |
| Unified School District | Sandy Creek Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $143,205 (+8.24%) Land $17,250 Building $125,955 | $143,205 (+8.24%) Land $17,250 Building $125,955 | |
| 2025 | $1,714.00 (-17.08%) | $132,305 (+3.01%) Land $15,680 Building $116,625 | $132,305 (+3.01%) Land $15,680 Building $116,625 |
| 2023 | $2,067.00 | $128,435 Land $12,250 Building $116,185 | $128,435 Land $12,250 Building $116,185 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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 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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