411 N James Ave, Sutton, NE 68979 Property Records

Clay County property record for 411 N James Ave, Sutton, NE 68979

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,018 sqft · built 1915
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$167,000 (Apr 2018)
Tax Bill	$3,246 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3757-00-0-77020-004-8440`

Property Details

APN / Parcel Number

Primary APN	`3757-00-0-77020-004-8440`
Alternative APN	`000844000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,018 sqft Living Area
1st Floor Area	1,235 sqft
Basement Area	783 sqft
Unfinished Basement	783 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	145 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	411 N JAMES AVE
City	SUTTON
State	NE
Zip	68979-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	N62' OF LOT 1 BLK 4 CLARKS 1ST ADD SUTTON CITY
Legal Subdivision	CLARKS 1ST ADD
Legal Block	4
Legal Lot Number	1
Jurisdiction	CLAY NE
Township / Civil Division	SUTTON
Census Block Group	3
Census Block	3035
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	411 N JAMES AVE, SUTTON, NE 68979-2029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA
Apr 11, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2018 · Amount on Record
Deed Sale	Apr 11, 2018 · Amount on Record
Prior Sale	Jul 20, 2010
Deed Document Number	2018357
Deed Book / Page	131 / 392
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	411 N JAMES AVE, SUTTON, NE 68979-2029
Transaction Type	Mortgage
Record Updated	May 26, 2023
Title Company	CHARTER TITLE AND ESCROW, CHARTER TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000269/87
Date	Apr 22, 2022
Book Page	269/87
Instrument	2022-00462

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2037

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Apr 11, 2018
Property Address	411 N JAMES AVE, SUTTON, NE 68979-2029
Document Number	000131/392
Book / Page	131 / 392
Instrument Date	Mar 24, 2018
Instrument	2018-00357
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	GAND ISLAND ABSTRACT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.75
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	000252/149
Date	Apr 11, 2018
Book Page	252/149
Instrument	2018-00358

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2033

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		$243,025 (+8.77%) Land $9,000 Building $234,025	$243,025 (+8.77%) Land $9,000 Building $234,025
2025	$3,246.00 (-10.11%)	$223,425 (+15.63%) Land $4,500 Building $218,925	$223,425 (+15.63%) Land $4,500 Building $218,925
2023	$3,611.00	$193,230 Land $4,500 Building $188,730	$193,230 Land $4,500 Building $188,730

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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

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	0.01% 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 152 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

May also be available: Nextlink.

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