406 E Central St, Clay Center, NE 68933 Property Records

Clay County property record for 406 E Central St, Clay Center, NE 68933

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,033 sqft · built 1970
Lot Size	0.184 acres (8,010 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Sep 2024)
Tax Bill	$3,034 (2025)
Deeds & Mortgages	Mar 2025 Sale Sep 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3759-00-0-10065-000-4704`

Property Details

APN / Parcel Number

Primary APN	`3759-00-0-10065-000-4704`
Alternative APN	`000470400`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,033 sqft Living Area
1st Floor Area	2,033 sqft
Basement Area	1,744 sqft
Finished Basement	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,010 sqft (0.184 acres)
Lot Dimensions	98 ft deep x 90 ft wide
Deck Area	352 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 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 8 FLESNERS ADD CLAY CENTER CITY
Legal Subdivision	FLESNERS ADD
Legal Lot Number	8
Jurisdiction	CLAY NE
Township / Civil Division	CLAY CENTER
Census Block Group	1
Census Block	1003
Census Tract	962200

Owner

406 E Central St is owned and occupied by two individuals who acquired it in March 2025.

Source: Clay County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	406 E CENTRAL ST, CLAY CENTER, NE 68933-1029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Mar 26, 2025	Warranty Deed, Transfer
Sep 5, 2024	Warranty Deed, Transfer · Commercial Mortgage CS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2024 · Amount on File
Deed Sale	Sep 5, 2024 · Amount on File
Deed Document Number	2024739
Last Transfer Date	Mar 25, 2025
Transfer Doc	0202500337
Record Updated	Sep 20, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Mar 26, 2025
Property Address	406 E CENTRAL ST, CLAY CENTER, NE 68933-1029
Document Number	0202500337
Instrument Date	Mar 25, 2025
Instrument	202500337
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Sep 5, 2024
Property Address	406 E CENTRAL ST, CLAY CENTER, NE 68933-1029
Document Number	0202400739
Instrument Date	Sep 4, 2024
Instrument	202400739
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	UNKNOWN, ADAMS LAND TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

Mortgage

Document Number	0202400740
Date	Sep 5, 2024
Instrument	202400740

Lender

Name	CS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 406 E Central St was $3,034, up 1.4% from the year before.

Source: Clay County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Clay County
Municipality	Clay Center City
Unified School District	Sandy Creek Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$253,065 (+8.11%) Land $14,100 Building $238,965	$253,065 (+8.11%) Land $14,100 Building $238,965
2025	$3,034.00 (+1.4%)	$234,080 (-) Land $12,815 Building $221,265	$234,080 (-) Land $12,815 Building $221,265
2024	$2,992.00 (-12.69%)	$234,080 (+9.97%) Land $12,815 Building $221,265	$234,080 (+9.97%) Land $12,815 Building $221,265
2023	$3,427.00	$212,850 Land $10,015 Building $202,835	$212,850 Land $10,015 Building $202,835

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

Flood

FEMA maps place 406 E Central St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 406 E Central St is low, with 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 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.

Drinking Water

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

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 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.

Nearby Properties on E Central St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures