Douglas County property record for 4109 Spencer St, Omaha, NE 68111
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 860 sqft · built 1953 |
| Lot Size | 0.107 acres (4,680 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Jul 2026) |
| Tax Bill | $1,556 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage May 2021 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1846-0000-25 |
| Primary APN | 1846-0000-25 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 860 sqft Living Area |
| Gross Area | 1,892 sqft |
| 1st Floor Area | 860 sqft |
| Basement Area | 936 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,680 sqft (0.107 acres) |
| Lot Dimensions | 117 ft deep x 40 ft wide |
| Garage Type | Basement |
| Garage Area | 1 sqft |
| Porch | Covered Slab |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R2518460000 |
|---|---|
| Street Address | 4109 SPENCER ST |
| City | OMAHA |
| State | NE |
| Zip | 68111-3043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R435 |
| Legal Description | WESTMORELAND LOT 129 BLOCK 0 40 X 117.6 |
| Legal Subdivision | WESTMORELAND |
| Legal Lot Number | 129 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | OMAHA |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 5400 |
4109 Spencer St is owned and occupied by an individual who bought it in July 2026.
Source: Douglas County records, as of August 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4109 SPENCER ST, OMAHA, NE 68111-3043 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Jul 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage ACCESS BANK |
| May 19, 2021 | Warranty Deed, Transfer MIDWEST AREA TITLE INC, MIDWEST TITLE INC |
| Jul 31, 2018 | Grant Deed, Transfer |
| May 25, 2018 | Warranty Deed, Transfer OTHER |
| Nov 17, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2026 · Amount on File |
| Deed Sale | Jul 1, 2026 · Amount on File |
| Prior Sale | May 19, 2021 · Amount on File |
| Deed Document Number | 202656200 |
| Prior Transfer Date | Nov 17, 2017 |
| Prior Transfer Doc | 0000093305 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Jul 1, 2026 |
| Property Address | 4109 SPENCER ST, OMAHA, NE 68111-3043 |
| Document Number | 0000056200 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 202656200 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | AMBASSADOR TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $33,976.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4109 SPENCER ST, OMAHA, NE 68111-3043 |
| Document Number | 0000056201, |
|---|---|
| Date | Jul 1, 2026 |
| Instrument | 202656201 |
| Name | ACCESS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | May 19, 2021 |
| Property Address | 4109 SPENCER ST, OMAHA, NE 68111-3043 |
| Document Number | 2021064812 |
| Instrument Date | Apr 13, 2021 |
| Instrument | 2021064812 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2021 |
| Title Company | MIDWEST AREA TITLE INC, MIDWEST TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $81.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Jul 31, 2018 |
| Property Address | 4109 SPENCER ST, OMAHA, NE 68111-3043 |
| Document Number | 0000059785 |
| Instrument Date | Jun 30, 2018 |
| Instrument | 59785 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $80.48 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 606 N 116TH ST #3 OMAHA NE 681541540, 3, OMAHA, NE 68154-1540 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | May 25, 2018 |
| Property Address | 4109 SPENCER ST, OMAHA, NE 68111-3043 |
| Document Number | 0000040069 |
| Instrument Date | May 18, 2018 |
| Instrument | 40069 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Tax | $27.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3157 FARNAM ST #7104-148 OMAHA NE 681313568, 7104-1, OMAHA, NE 68131-3568 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Nov 17, 2017 |
| Property Address | 4109 SPENCER ST, OMAHA, NE 68111-3043 |
| Document Number | 0000093305 |
| Instrument Date | Nov 17, 2017 |
| Instrument | 93305 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $22.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 4109 Spencer St was $1,556, up 24.5% from the year before.
Source: Douglas County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Municipality | Omaha City |
| Unified School District | Omaha Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,556.00 (+24.48%) | $93,100 Land $7,300 Building $85,800 | $93,100 Land $7,300 Building $85,800 |
| 2024 | $1,250.00 (-23.31%) | ||
| 2023 | $1,630.00 (+41.25%) | $77,300 Land $7,300 Building $70,000 | $77,300 Land $7,300 Building $70,000 |
| 2022 | $1,154.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4109 Spencer St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025
| 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 risk around 4109 Spencer St is low, with less than 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 98% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | METROPOLITAN UTILITIES DISTRICT serves 660,000 people · EPA ID NE3105507 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 12 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.
Source: FCC Broadband Data Collection, based on 463 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: FiberFirst, Google Fiber, Nextlink, T-Mobile, Western Iowa Wireless.
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