412 E Nebraska St, Cairo, NE 68824 Property Records

Hall County property record for 412 E Nebraska St, Cairo, NE 68824

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,738 sqft · built 1931
Lot Size	0.82 acres (35,728 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,000 (Oct 2020)
Tax Bill	$4,487 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`3213-00-0-20041-000-0007`

Property Details

APN / Parcel Number

Primary APN	`3213-00-0-20041-000-0007`
Alternative APN	`400379074`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	1,738 sqft Living Area
1st Floor Area	1,738 sqft
Basement Area	1,738 sqft
Finished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Architectural Style	Bungalow
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	35,728 sqft (0.82 acres)
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	996 sqft
Deck Area	1,475 sqft
Patio Area	2,784 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 E NEBRASKA ST
City	CAIRO
State	NE
Zip	68824-9480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	CAIRO MAYFIELD VILLAGE GASCHO-JANTZI SUBLT 7; MAP NUMBER: 3213-00-0-20041-000-0007
Legal Subdivision	GASCHO-JANTZI SUB
Legal Lot Number	7
Jurisdiction	HALL NE
Township / Civil Division	MAYFIELD
Census Block Group	1
Census Block	1033
Census Tract	100

Owner

Source: Hall County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	412 E NEBRASKA ST, CAIRO, NE 68824-9480
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2018	Deed of Trust, Mortgage · Line of Credit EXCHANGE BANK
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage EXCHANGE BANK
Oct 1, 2020	Survivorship Deed, Transfer · Conventional Mortgage CORNERSTONE BANK
Oct 18, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2020 · Amount on Record
Deed Sale	Oct 1, 2020 · Amount on Record
Prior Sale	Apr 3, 2009 · Amount on Record
Deed Document Number	20207440
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALL NE
Property Address	412 E NEBRASKA ST, CAIRO, NE 68824-9480
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001114
Date	Feb 23, 2018
Instrument	201801114

Lender

Name	EXCHANGE BANK
Type	Bank
Address	KEARNEY, NE 68848

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALL NE
Property Address	412 E NEBRASKA ST, CAIRO, NE 68824-9480
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003580
Date	Jun 1, 2020
Instrument	202003580

Lender

Name	EXCHANGE BANK
Type	Bank
Address	KEARNEY, NE 68847

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

October 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HALL NE
Recording Date	Oct 1, 2020
Property Address	412 E NEBRASKA ST, CAIRO, NE 68824-9480
Document Number	0000007440
Instrument Date	Sep 23, 2020
Instrument	202007440
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	GRAND ISLAND ABSTRACT ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$733.50
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	0000007441
Date	Oct 1, 2020
Instrument	202007441

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HALL NE
Recording Date	Oct 18, 2017
Property Address	412 E NEBRASKA ST, CAIRO, NE 68824-9480
Document Number	0000007083
Instrument Date	Oct 18, 2017
Instrument	7083
Transaction Type	Transfer
Record Updated	Nov 1, 2017

Transaction

Amount	Amount Recorded
Tax	$292.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Tax Assessment & Valuation

Source: Hall County assessment roll, as of January 13, 2026

Property Jurisdictions

Type	Name
State	Nebraska
Municipality	Cairo Village
County	Hall County
Unified School District	Centura Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$345,607 (+7.13%) Land $42,259 Building $303,348	$345,607 (+7.13%) Land $42,259 Building $303,348
2025	$4,487.00 (-4.65%)	$322,615 (+11.64%) Land $42,259 Building $280,356	$322,615 (+11.64%) Land $42,259 Building $280,356
2024	$4,706.00 (-14.06%)
2023		$288,972 (+37.65%) Land $42,259 Building $246,713	$288,972 (+37.65%) Land $42,259 Building $246,713
2022	$5,476.00	$209,939 Land $35,728 Building $174,211	$209,939 Land $35,728 Building $174,211

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 September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2009)
Most Recent Claim	Sep 2009 · 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 99.1% of the US · lower than 97.9% 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	VILLAGE OF CAIRO serves 785 people · EPA ID NE3107906
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Prairie Hills Wireless Fixed Wireless	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Great Plains Communications, Viaero Wireless.

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