415 E St, Central City, NE 68826 Property Records

Merrick County property record for 415 E St, Central City, NE 68826

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,349 sqft · built 1910
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$1,141 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`0002288.00`

Property Details

APN / Parcel Number

Primary APN	`0002288.00`
Alternative APN	`3007-09-0-10005-020-2288`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,349 sqft Living Area
1st Floor Area	1,349 sqft
Basement Area	986 sqft
Unfinished Basement	986 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Exterior Amenities

Porch	Slab
Porch Area	351 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	415 E ST
City	CENTRAL CITY
State	NE
Zip	68826-1328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	O.T. CENTRAL CITY LOT 6 BLK 20 45-4CC (8712 SQ FT)
Legal Range	06
Legal Township	13
Legal Section	09
Legal Subdivision	ORIGINAL TOWN OF CENTRAL CITY
Legal Block	20
Legal Lot Number	6
Jurisdiction	MERRICK NE
Township / Civil Division	CENTRAL CITY
Census Block Group	2
Census Block	2066
Census Tract	966800

Owner

Source: Merrick County assessment roll, as of March 6, 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 File
Mailing Address	415 E ST, CENTRAL CITY, NE 68826-1328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage ARCHER COOPERATIVE CU
Mar 8, 2019	Deed of Trust, Mortgage · ARM ARCHER COOPERATIVE CU
Jan 22, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jan 11, 2017
Transfer Doc	000A45/476
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRICK NE
Property Address	415 E ST, CENTRAL CITY, NE 68826-1328
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202200577
Date	Apr 20, 2022
Instrument	2022-00577

Lender

Name	ARCHER COOPERATIVE CU
Type	Credit Union
Address	CENTRAL CITY, NE 68826

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	May 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6.99%
Index	COF
Max Rate	9.99%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRICK NE
Property Address	415 E ST, CENTRAL CITY, NE 68826-1328
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	232/218
Date	Mar 8, 2019
Book Page	232/218
Instrument	2019-00334

Lender

Name	ARCHER COOPERATIVE CU
Type	Credit Union
Address	CENTRAL CITY, NE 68826

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	5.95%
Type Change Date	Apr 1, 2024
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	8.95%
Index	COF
Max Rate	11.9%

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERRICK NE
Recording Date	Jan 22, 2017
Property Address	415 E ST, CENTRAL CITY, NE 68826-1328
Document Number	000A45/476
Book / Page	A45 / 476
Instrument Date	Jan 11, 2017
Instrument	201700106
Transaction Type	Transfer
Record Updated	Feb 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Merrick County assessment roll, as of March 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,141.00 (-13.3%)	$101,050 (+11%) Land $19,600 Building $81,450	$101,050 (+11%) Land $19,600 Building $81,450
2023	$1,316.00	$91,035 Land $9,585 Building $81,450	$91,035 Land $9,585 Building $81,450

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 11, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	5 (1982–2008)
Claims Outside the SFHA	1 of 5
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	Not rated no burnable land within ember reach

Drinking Water

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

Water System	CITY OF CENTRAL CITY serves 3,000 people · EPA ID NE3112102
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2021–2023) 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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable · Fiber in parts of the area	2,000 / 50
Nedelco Fiber	1,000 / 1,000
LTD Broadband Fixed Wireless	150 / 130
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group.

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