405 Madison St, Waterloo, NE 68069 Property Records

Douglas County property record for 405 Madison St, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,349 sqft · built 2021
Lot Size	0.209 acres (9,100 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Oct 2026)
Tax Bill	$5,214 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Sep 2020 Construction Loan + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`6413-0207-12`

Property Details

APN / Parcel Number

Primary APN	`6413-0207-12`
Alternative APNs	`R1264130207` `1264130207`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,349 sqft Living Area
Gross Area	3,130 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,100 sqft (0.209 acres)
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1264130207
Street Address	405 MADISON ST
City	WATERLOO
State	NE
Zip	68069-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARVEST HEIGHTS OF WATERLOO LOT 3 BLOCK 0 LOT 3 65 X 140 --EXCESS VALUE--
Legal Subdivision	HARVEST HEIGHTS OF WATERLOO
Legal Lot Number	3
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2033
Census Tract	7508

Owner

405 Madison St is owned and occupied by two individuals who bought it in October 2026.

Source: Douglas County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 MADISON ST, WATERLOO, NE 68069-2124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Sep 21, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST NEBRASKA BANK
Jun 30, 2021	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2026 · Amount on File
Deed Sale	Oct 7, 2026 · Amount on File
Prior Sale	Jun 30, 2021 · Amount on File
Deed Document Number	202689200
Prior Transfer Date	Apr 29, 2025
Prior Transfer Doc	0000047148
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Oct 7, 2026
Property Address	405 MADISON ST, WATERLOO, NE 68069-2124
Document Number	0000089200
Instrument Date	Aug 4, 2026
Instrument	202689200
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	AMBASSADOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160,953.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089201,
Date	Oct 7, 2026
Instrument	202689201

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	405 MADISON ST, WATERLOO, NE 68069-2124
Transaction Type	Mortgage
Record Updated	Dec 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000105344
Date	Sep 21, 2020
Instrument	2020105344

Lender

Name	FIRST NEBRASKA BANK
Type	Bank
Address	VALLEY, NE 68064

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jun 30, 2021
Property Address	405 MADISON ST, WATERLOO, NE 68069-2124
Document Number	0000085821
Instrument Date	Jun 18, 2021
Instrument	2021085821
Transaction Type	Transfer
Record Updated	Dec 9, 2022
Title Company	NOT AVAILABLE, CHARTER T&E SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$832.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000085822
Date	Jun 30, 2021
Instrument	2021085822

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 405 Madison St was $5,214, down 0.4% from the year before.

Source: Douglas County assessment roll, as of October 14, 2025

Property Jurisdictions

Type	Name
State	Nebraska
County	Douglas County
Municipality	Waterloo Village
Unified School District	Douglas County West Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,214.00 (-0.42%)	$390,800 Land $13,700 Building $377,100	$390,800 Land $13,700 Building $377,100
2024	$5,236.00 (-9.55%)
2023	$5,789.00 (-15.85%)	$352,800 Land $13,700 Building $339,100	$352,800 Land $13,700 Building $339,100
2022	$6,879.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 405 Madison St in Zone X, where a levee reduces flood risk, though there have been 38 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 57 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	38 (1978–2024)
Claims Outside the SFHA	2 of 38
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 14 claims

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

Wildfire risk around 405 Madison St is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 74% of Nebraska
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Nextlink Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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