4325 Locust, Roca, NE 68430 Property Records

Lancaster County property record for 4325 Locust, Roca, NE 68430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,108 sqft · built 1900
Lot Size	0.119 acres (5,227 sqft)
Owner	Owner Name on Record
Last Sale	$95,000 (Dec 2008)
Tax Bill	$2,920 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-17-312-002-000`

Property Details

APN / Parcel Number

Primary APN	`15-17-312-002-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,108 sqft Living Area
1st Floor Area	1,108 sqft

Exterior

Year Built	Built 1900
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.119 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	4325 LOCUST
City	ROCA
State	NE
Zip	68430-4702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	KEYS (W E) SECOND ADDITION TO ROCA, BLOCK 3, LOT 3
Legal Subdivision	KEYS (W E) SECOND ADDITION
Legal Block	3
Legal Lot Number	3
Jurisdiction	LANCASTER NE
Township / Civil Division	SALTILLO
Census Block Group	2
Census Block	2050
Census Tract	10401

Owner

Source: Lancaster County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	4325 LOCUST, ROCA, NE 68430-4702
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2008 · Amount on Record
Deed Sale	Dec 10, 2008 · Amount on Record
Prior Sale	Jul 29, 2004 · Amount on Record
Deed Document Number	2008054659
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Property Address	4325 LOCUST, ROCA, NE 68430-4702
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062641
Date	Nov 19, 2020
Instrument	2020062641

Lender

Name	COGENT BANK
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

Source: Lancaster County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Nebraska
County	Lancaster County
Municipality	Roca Village
Unified School District	Norris School District 160 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,920.00 (+19.77%)	$174,300 (+21.21%) Land $28,100 Building $146,200	$174,300 (+21.21%) Land $28,100 Building $146,200
2023	$2,438.00	$143,800 Land $25,900 Building $117,900	$143,800 Land $25,900 Building $117,900

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 15, 2026 · 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	4 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 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 ROCA serves 222 people · EPA ID NE3110906
Water Source	Purchased groundwater from LANCASTER CO RWD 1
Last State Inspection	Jan 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Jul 2020
Monitoring and Reporting	1 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Big Red Communications Fixed Wireless	200 / 100
Windstream DSL · Fiber, Fixed Wireless in parts of the area	200 / 20
GigFire Fixed Wireless	150 / 130
Diode Cable Company Fixed Wireless	10 / 1

May also be available: AT&T, Nextlink, Rise Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Locust

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