412 E 18th St, Cozad, NE 69130 Property Records

Dawson County property record for 412 E 18th St, Cozad, NE 69130

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,104 sqft · built 1971
Lot Size	0.185 acres (8,064 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Aug 2019)
Tax Bill	$980 (2023)
Deeds & Mortgages	Aug 2026 Mortgage May 2026 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`3410-00-0-20116-009-0002`

Property Details

APN / Parcel Number

Primary APN	`3410-00-0-20116-009-0002`
Alternative APN	`240104609`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,064 sqft (0.185 acres)
Lot Dimensions	63 ft deep x 128 ft wide
Garage Type	Mixed
Garage Area	972 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 E 18TH ST
City	COZAD
State	NE
Zip	69130-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	00001680 LOT 2 BLK 9 OGORSOLKAS FIRST ADD
Legal Subdivision	FIRST ADD
Legal Block	9
Legal Lot Number	2
Jurisdiction	DAWSON NE
Township / Civil Division	COZAD
Census Block Group	1
Census Block	1050
Census Tract	968300

Owner

Source: Dawson 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	412 E 18TH ST, COZAD, NE 69130-1209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
May 18, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHARTER WEST BANK
Jun 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage WESTERN NEBRASKA BANK
May 12, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Jun 1, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage MICHAEL GERKEN ETUX
Aug 5, 2019	Warranty Deed, Transfer · Line of Credit ARTHUR RUGGLES
Jul 7, 2017	Warranty Deed, Transfer · Conventional Mortgage WESTERN NEBRASKA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2019 · Amount on Record
Deed Sale	Aug 5, 2019 · Amount on Record
Prior Sale	Jul 7, 2017 · Amount on Record
Deed Document Number	20191873
Last Transfer Date	May 14, 2026
Transfer Doc	0000001350
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAWSON NE
Recording Date	Aug 12, 2026
Property Address	412 E 18TH ST, COZAD, NE 69130-1209
Document Number	0000002201
Instrument Date	Aug 6, 2026
Instrument	20262201
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	AMC SETTLEMENT SERVICES LLC, AMC SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	412 E 18TH ST, COZAD, NE 69130-1209

Mortgage

Document Number	0000002201,
Date	Aug 12, 2026
Instrument	20262201

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DAWSON NE
Recording Date	May 18, 2026
Property Address	412 E 18TH ST, COZAD, NE 69130-1209
Document Number	0000001350
Instrument Date	May 14, 2026
Instrument	20261350
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 E 18TH ST, COZAD, NE 69130-1209

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAWSON NE
Property Address	412 E 18TH ST, COZAD, NE 69130-1209
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020192427
Date	Sep 26, 2019
Instrument	2019-2427

Lender

Name	CHARTER WEST BANK
Type	Bank
Address	KEARNEY, NE 68847

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAWSON NE
Property Address	412 E 18TH ST, COZAD, NE 69130-1209
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	TITLE SERVICES/PLAINS, TITLE SERVICES OF PLAINS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020191268
Date	Jun 6, 2019
Instrument	2019-1268

Lender

Name	WESTERN NEBRASKA BANK
Type	Bank
Address	NORTH PLATTE, NE 69101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAWSON NE
Property Address	412 E 18TH ST, COZAD, NE 69130-1209
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 E 18TH ST, COZAD, NE 69130-1209

Mortgage

Document Number	0020221520
Date	May 12, 2022
Instrument	2022-1520

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	877 Months
Due	Jun 10, 2095

Interest

Rate Type	Adjustable Rate
Rate	3.93%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.93%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAWSON NE
Recording Date	Jun 1, 2021
Property Address	412 E 18TH ST, COZAD, NE 69130-1209
Document Number	0020212089
Instrument Date	May 27, 2021
Instrument	2021-2089
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.50
Amount Accuracy	Full Amount Stated
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	0020212090
Date	Jun 1, 2021
Instrument	2021-2090

Lender

Name	MICHAEL GERKEN ETUX
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAWSON NE
Recording Date	Aug 5, 2019
Property Address	412 E 18TH ST, COZAD, NE 69130-1209
Document Number	0020191873
Instrument Date	Jul 30, 2019
Instrument	2019-1873
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0020191874
Date	Aug 5, 2019
Instrument	2019-1874

Lender

Name	ARTHUR RUGGLES
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Jul 15, 2020

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAWSON NE
Recording Date	Jul 7, 2017
Property Address	412 E 18TH ST, COZAD, NE 69130-1209
Document Number	0020171761
Instrument Date	Jun 22, 2017
Instrument	2017-1761
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	TITLE SERVICES/THE PLAINS, TITLE SERVICES OF THE PLAINS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
Amount Accuracy	Rounded by County
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	0020171762
Date	Jul 7, 2017
Instrument	2017-1762

Lender

Name	WESTERN NEBRASKA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Dawson County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Dawson County
Municipality	Cozad City
Unified School District	Cozad Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$204,874 (+20.49%) Land $8,064 Building $196,810	$204,874 (+20.49%) Land $8,064 Building $196,810
2025	Homeowner's exemption	$170,034 (-9.85%) Land $8,064 Building $161,970	$170,034 (-9.85%) Land $8,064 Building $161,970
2023	$980.00 Homeowner's exemption	$188,618 Land $6,048 Building $182,570	$188,618 Land $6,048 Building $182,570

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 April 28, 2022 · 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	1 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2008 · Severe Storms, Tornadoes, And Flooding

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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF COZAD serves 3,915 people · EPA ID NE3104701
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	2 ppb (2023–2025) 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 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cozad Telephone Company Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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