409 S Saunders Ave, Sutton, NE 68979 Property Records

Clay County property record for 409 S Saunders Ave, Sutton, NE 68979

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,187 sqft · built 1920
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$35,000 (Oct 2022)
Tax Bill	$1,905 (2025)
Deeds & Mortgages	Oct 2022 Sale Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3757-00-0-77010-032-8323`

Property Details

APN / Parcel Number

Primary APN	`3757-00-0-77010-032-8323`
Alternative APN	`000832300`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,187 sqft Living Area
1st Floor Area	1,228 sqft
Basement Area	924 sqft
Finished Basement	616 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Deck Area	77 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 S SAUNDERS AVE
City	SUTTON
State	NE
Zip	68979-2039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	S1/2 LOT 4 & N36' LOT 5 BLK 32 1ST ADD SUTTON CITY
Legal Subdivision	1ST ADD
Legal Block	32
Legal Lot Number	4,5
Jurisdiction	CLAY NE
Township / Civil Division	SUTTON
Census Block Group	4
Census Block	4045
Census Tract	962100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	409 S SAUNDERS AVE, SUTTON, NE 68979-2039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 3, 2021	Warranty Deed, Transfer · Conventional Mortgage WEST GATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2022 · Amount on Record
Deed Sale	Oct 11, 2022 · Amount on Record
Prior Sale	Nov 3, 2021 · Amount on Record
Deed Document Number	20221157
Deed Book / Page	135 / 359
Prior Transfer Date	Oct 5, 2022
Prior Transfer Doc	000135/359
Record Updated	Sep 20, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY NE
Recording Date	Oct 11, 2022
Property Address	409 S SAUNDERS AVE, SUTTON, NE 68979-2039
Document Number	000135/359
Book / Page	135 / 359
Instrument Date	Oct 5, 2022
Instrument	2022-01157
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount Recorded
Tax	$78.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 350, SUTTON, NE 68979-0350

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Nov 3, 2021
Property Address	409 S SAUNDERS AVE, SUTTON, NE 68979-2039
Document Number	000134/444
Book / Page	134 / 444
Instrument Date	Nov 2, 2021
Instrument	2021-01595
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	NOT AVAILABLE, ADAMS LAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202101596
Date	Nov 3, 2021
Instrument	2021-01596

Lender

Name	WEST GATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2041

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Nebraska
County	Clay County
Municipality	Sutton City
Unified School District	Sutton Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$144,100 (+9.88%) Land $8,400 Building $135,700	$144,100 (+9.88%) Land $8,400 Building $135,700
2025	$1,905.00 (-10.27%)	$131,145 (+15.41%) Land $4,200 Building $126,945	$131,145 (+15.41%) Land $4,200 Building $126,945
2023	$2,123.00	$113,635 Land $4,200 Building $109,435	$113,635 Land $4,200 Building $109,435

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 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	6 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.5% of Nebraska
Wildfire Likelihood	Under 0.01% 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	CITY OF SUTTON serves 1,447 people · EPA ID NE3103507
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	3 ppb (2023–2025) action level 15 ppb
Copper	1.63 mg/L (2019) action level 1.3 mg/L

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 314 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
Glenwood Telecommunications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Zito Media Cable	100 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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