407 Main St, Talmage, NE 68448 Property Records

Otoe County property record for 407 Main St, Talmage, NE 68448

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,423 sqft · built 1910
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$28,000 (Mar 2023)
Tax Bill	$1,782 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Mar 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`002524500`

Property Details

APN / Parcel Number

Primary APN	`002524500`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,423 sqft Living Area
Gross Area	1,034 sqft
1st Floor Area	1,034 sqft
Attic	Attic
Attic Area	362 sqft
Basement Area	1,034 sqft
Finished Basement	1,034 sqft
Unfinished Basement	1,034 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Wood
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	132 ft deep x 88 ft wide
Garage Type	Detached
Garage Area	550 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	143 sqft
Deck Area	Deck Area
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	407 MAIN ST
City	TALMAGE
State	NE
Zip	68448-3221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	LOT 5 & S 22' LOT 6 BLK 13 TALMAGE PROPER; MAP NUMBER: 3725-00-0-90050-013-0005
Legal Subdivision	TALMAGE PROPER
Legal Block	13
Legal Lot Number	5-6
Jurisdiction	OTOE NE
Township / Civil Division	MCWILLIAMS
Census Block Group	1
Census Block	1146
Census Tract	966600

Owner

Source: Otoe County records, as of June 2, 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	407 MAIN ST, TALMAGE, NE 68448-3221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2023	Deed of Trust, Mortgage · Line of Credit CORNHUSKER BANK
Mar 5, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK OF NEBRASKA
Jan 27, 2012	Deed of Trust, Mortgage · Conventional Mortgage TRI VALLEY BANK
Jun 12, 2023	Warranty Deed, Transfer · Commercial Mortgage FIRSTBANK OF NEBRASKA
Apr 2, 2014	Warranty Deed, Transfer · Line of Credit FIRSTBANK OF NEBRASKA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2023 · Amount on Record
Deed Sale	Mar 16, 2023 · Amount on Record
Prior Sale	Apr 2, 2014 · Amount on Record
Deed Document Number	2023525
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	407 MAIN ST, TALMAGE, NE 68448-3221
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 E 3RD ST, ALVO, NE 68304-2279

Mortgage

Document Number	0202300719
Date	Apr 12, 2023
Instrument	202300719

Lender

Name	CORNHUSKER BANK
Type	Bank
Address	LINCOLN, NE 68501

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	407 MAIN ST, TALMAGE, NE 68448-3221
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202400459
Date	Mar 5, 2024
Instrument	202400459

Lender

Name	FIRSTBANK OF NEBRASKA
Type	Bank
Address	SYRACUSE, NE 68446

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Mar 1, 2029
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	10.7%
Index	5-Year TN
Max Rate	13.2%

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	407 MAIN ST, TALMAGE, NE 68448-3221
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201200264
Date	Jan 27, 2012
Instrument	201200264

Lender

Name	TRI VALLEY BANK
Address	TALMAGE, NE 68448

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTOE NE
Recording Date	Jun 12, 2023
Property Address	407 MAIN ST, TALMAGE, NE 68448-3221
Document Number	0202301128
Instrument Date	May 26, 2023
Instrument	202301128
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0202301129
Date	Jun 12, 2023
Instrument	202301129

Lender

Name	FIRSTBANK OF NEBRASKA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Aug 1, 2053

April 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTOE NE
Recording Date	Apr 2, 2014
Property Address	407 MAIN ST, TALMAGE, NE 68448-3221
Document Number	0201400604
Instrument Date	Mar 26, 2014
Instrument	201400604
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	AUBURN ABSTRACT AND TITLE COMPANY, AUBURN ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0201400605
Date	Apr 2, 2014
Instrument	201400605

Lender

Name	FIRSTBANK OF NEBRASKA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	380 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Otoe County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Otoe County
Municipality	Talmage Village
Unified School District	Johnson County Central Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,782.00 (+13.79%)	$132,405 (+60.87%) Land $2,790 Building $129,615	$132,405 (+60.87%) Land $2,790 Building $129,615
2023	$1,566.00	$82,308 Land $1,860 Building $80,448	$82,308 Land $1,860 Building $80,448
2022	Additional exemption filed

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 18, 2011

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

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	None beyond ember reach

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 TALMAGE serves 266 people · EPA ID NE3113102
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	3 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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Nextlink Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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