405 W 7th, Cortland, NE 68331 Property Records

Gage County property record for 405 W 7th, Cortland, NE 68331

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,026 sqft · built 1955
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Sep 2022)
Tax Bill	$3,203 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Sep 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007342000`

Property Details

APN / Parcel Number

Primary APN	`007342000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Building Area	2,026 sqft Living Area
1st Floor Area	2,026 sqft
Basement Area	1,014 sqft
Finished Basement	1,014 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Built-in
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	72 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	405 W 7TH
City	CORTLAND
State	NE
Zip	68331-3094
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	LOTS 1-2 BLK 25 CORTLAND ORIG
Legal Subdivision	ORIGINAL TOWN OF CORTLAND
Legal Block	25
Legal Lot Number	1-2
Jurisdiction	GAGE NE
Township / Civil Division	HIGHLAND
Census Block Group	1
Census Block	1015
Census Tract	964700

Owner

405 W 7th is owned and occupied by an individual who bought it in September 2022.

Source: Gage County records, as of October 20, 2026

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

Owner of Record	Individual Name on File
Mailing Address	405 W 7TH, CORTLAND, NE 68331-3094
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2023	Deed of Trust, Mortgage · Line of Credit SECURITY FIRST BANK
Sep 29, 2022	Warranty Deed, Transfer NEBRASKA TITLE COMPANY-PA, NEBRASKA TITLE COMPANY
Aug 25, 2020	Warranty Deed, Transfer · FHA Mortgage FIRST NATIONAL BANK OF OMAHA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2022 · Amount on File
Deed Sale	Sep 29, 2022 · Amount on File
Prior Sale	Aug 25, 2020 · Amount on File
Deed Document Number	20223112
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GAGE NE
Property Address	405 W 7TH, CORTLAND, NE 68331-3094
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 W 7TH, CORTLAND, NE 68331-3094

Mortgage

Document Number	0202302614
Date	Sep 25, 2023
Instrument	2023-02614

Lender

Name	SECURITY FIRST BANK
Type	Bank
Address	LINCOLN, NE 68506

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GAGE NE
Recording Date	Sep 29, 2022
Property Address	405 W 7TH, CORTLAND, NE 68331-3094
Document Number	0202203112
Instrument Date	Sep 19, 2022
Instrument	2022-03112
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	NEBRASKA TITLE COMPANY-PA, NEBRASKA TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$585.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GAGE NE
Recording Date	Aug 25, 2020
Property Address	405 W 7TH, CORTLAND, NE 68331-3094
Document Number	0202002784
Instrument Date	Jun 5, 2020
Instrument	2020-02784
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	CHASE TITLE SERVICES INC, CHARTER T&E SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$438.75
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	0202002785
Date	Aug 25, 2020
Instrument	2020-02785

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 405 W 7th was $3,203.

Source: Gage County assessment roll, as of March 2, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Gage County
County Subdivision	Highland Township
Municipality	Cortland Village
Unified School District	Norris School District 160 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$312,650 (+8.98%) Land $25,000 Building $287,650	$312,650 (+8.98%) Land $25,000 Building $287,650
2025	$3,203.00	$286,880 Land $25,000 Building $261,880	$286,880 Land $25,000 Building $261,880
2023	$4,095.00	$249,555 Land $18,000 Building $231,555	$249,555 Land $18,000 Building $231,555

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

Flood

FEMA maps place 405 W 7th in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 1, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 405 W 7th is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 91% of Nebraska
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	VILLAGE OF CORTLAND serves 515 people · EPA ID NE3106706
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000
Nextlink Fixed Wireless · Fiber in parts of the area	1,000 / 500
T-Mobile Fixed Wireless	100 / 20

May also be available: Big Red Communications, Verizon.

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