Douglas County property record for 406 E Gardiner St, Valley, NE 68064
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 988 sqft · built 1900 |
| Lot Size | 0.183 acres (7,980 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,919 (2024) |
| Deeds & Mortgages | Dec 2021 Line of Credit Jun 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | R1259710000 |
| Primary APN | R1259710000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,980 sqft (0.183 acres) |
| Lot Dimensions | 114 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 376 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R1259710000 |
|---|---|
| Street Address | 406 E GARDINER ST |
| City | VALLEY |
| State | NE |
| Zip | 68064-2607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARRIERS 2ND ADD TO VALLEY LOT 9 BLOCK 0 E 20 FT LOT 8 & ALL LOT 9 70 X 114 |
| Legal Subdivision | HARRIERS 2ND ADD TO VALLEY |
| Legal Lot Number | 8-9 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | PLATTE VALLEY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 7504 |
406 E Gardiner St is owned by two individuals who acquired it in September 2015.
Source: Douglas County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 87, VALLEY, NE 68064-0087 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 13, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jun 1, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2015 |
| Deed Sale | Sep 1, 2015 |
| Deed Document Number | 2015073696 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 406 E GARDINER ST, VALLEY, NE 68064-2607 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Title Company | RADIAN LENDER SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 406 E GARDINER ST, VALLEY, NE 68064-2607 |
| Document Number | 0000161923 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 2021161923 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 19, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 406 E GARDINER ST, VALLEY, NE 68064-2607 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021070681 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 2021070681 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
Source: Douglas County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Municipality | Valley City |
| Unified School District | Douglas County West Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $138,600 Land $15,200 Building $123,400 | $138,600 Land $15,200 Building $123,400 | |
| 2024 | $1,919.00 (+11.05%) | ||
| 2023 | $1,728.00 (-9.62%) | $107,800 Land $15,200 Building $92,600 | $107,800 Land $15,200 Building $92,600 |
| 2022 | $1,912.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 E Gardiner St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 70 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 70 in force |
| Nearby Flood Claims | 79 (1978–2025) |
| Claims Outside the SFHA | 1 of 79 |
| Most Recent Claim | Aug 2025 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
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.
The area around 406 E Gardiner St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 VALLEY serves 3,294 people · EPA ID NE3105518 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | 2 ppb (2023–2025) 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 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Great Plains Communications Fiber | 2,000 / 2,000 |
| Cox Communications Cable | 2,000 / 100 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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