437 N Elm St, Red Cloud, NE 68970 Property Records

Webster County property record for 437 N Elm St, Red Cloud, NE 68970

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,600 sqft · built 2013
Lot Size	0.114 acres (4,950 sqft)
Owner	2 Individual Names on File
Tax Bill	$773 (2025)
Deeds & Mortgages	Jun 2020 Construction Loan Jun 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`000119001`

Property Details

APN / Parcel Number

Primary APN	`000119001`

Interior

Stories	1 Story
Building Area	1,600 sqft Total Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	4,950 sqft (0.114 acres)
Lot Dimensions	75 ft deep x 66 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	437 N ELM ST
City	RED CLOUD
State	NE
Zip	68970-2450
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	03-COMMERC
Legal Description	EAST 90' LOTS 8-10 & EAST 90' OF SOUTH 9' LOT 11 BLOCK 1 WILLIAM'S ADDITION REDCLOUD
Legal Range	11
Legal Township	02
Legal Section	00
Legal Subdivision	WILLIAM'S ADD
Legal Block	1
Legal Lot Number	8-10,11
Jurisdiction	WEBSTER NE
Township / Civil Division	5
Census Block Group	2
Census Block	2094
Census Tract	965100

Owner

437 N Elm St, a commercial property, is owned by two individuals who acquired it in May 2020.

Source: Webster County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1051 DD RD, LEBANON, KS 66952-8839
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2020	Deed of Trust, Mortgage · Construction Mortgage HERITAGE BANK
Jun 1, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 29, 2020
Transfer Doc	02020/1442
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER NE
Property Address	437 N ELM ST, RED CLOUD, NE 68970-2450
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1626
Date	Jun 17, 2020
Book Page	2020/1626

Lender

Name	HERITAGE BANK
Type	Bank
Address	RED CLOUD, NE 68970

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WEBSTER NE
Recording Date	Jun 1, 2020
Property Address	437 N ELM ST, RED CLOUD, NE 68970-2450
Document Number	02020/1442
Book / Page	2020 / 1442
Instrument Date	May 29, 2020
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Tax Assessment & Valuation

The 2025 property tax bill for 437 N Elm St was $773.

Source: Webster County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Webster County
Municipality	Red Cloud City
Unified School District	Red Cloud Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$79,175 (+16.5%) Land $760 Building $78,415	$79,175 (+16.5%) Land $760 Building $78,415
2025	$773.00	$67,960 Land $760 Building $67,200	$67,960 Land $760 Building $67,200
2023	$1,011.00	$67,720 Land $760 Building $66,960	$67,720 Land $760 Building $66,960

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 437 N Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective May 16, 2008 · 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	2 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017 · other causes

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

Wildfire risk around 437 N Elm St is low, with less than a 0.01% annual chance of 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	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 RED CLOUD serves 991 people · EPA ID NE3118301
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Great Plains Communications Fiber	2,000 / 2,000
Vyve Broadband Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, Viaero Wireless.

Nearby Properties on N Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures