445 Sprague St, Douglas, NE 68344 Property Records

Otoe County property record for 445 Sprague St, Douglas, NE 68344

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 658 sqft · built 1900
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Tax Bill	$713 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jun 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`003243500`

Property Details

APN / Parcel Number

Primary APN	`003243500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	658 sqft Living Area
1st Floor Area	658 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Concrete
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Porch	Enclosed Porch

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	445 SPRAGUE ST
City	DOUGLAS
State	NE
Zip	68344-3062
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	LOTS 1-2 BLK 19 DOUGLAS EXT; MAP NUMBER: 3731-00-0-40100-019-0001
Legal Subdivision	DOUGLAS EXT
Legal Block	19
Legal Lot Number	1-2
Jurisdiction	OTOE NE
Township / Civil Division	HENDRICKS
Census Block Group	1
Census Block	1273
Census Tract	966800

Owner

445 Sprague St is owned by two individuals who acquired it in April 2025.

Source: Otoe County records, as of August 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	200 W 4TH ST, DOUGLAS, NE 68344-3002
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 4, 2022	Deed of Trust, Mortgage · Line of Credit FIRSTBANK OF NEBRASKA
Jun 6, 2024	Deed of Trust, Mortgage · Commercial Mortgage FIRSTBANK OF NEBRASKA
Apr 21, 2025	Intrafamily Transfer, Transfer
Aug 20, 2021	Sheriff's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 18, 2025
Transfer Doc	0202500839
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	445 SPRAGUE ST, DOUGLAS, NE 68344-3062
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0202202733
Date	Nov 4, 2022
Instrument	202202733

Lender

Name	FIRSTBANK OF NEBRASKA
Type	Bank
Address	STERLING, NE 68443

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	445 SPRAGUE ST, DOUGLAS, NE 68344-3062
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202401128
Date	Jun 6, 2024
Instrument	202401128

Lender

Name	FIRSTBANK OF NEBRASKA
Type	Bank
Address	STERLING, NE 68443

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTOE NE
Recording Date	Apr 21, 2025
Property Address	445 SPRAGUE ST, DOUGLAS, NE 68344-3062
Document Number	0202500839
Instrument Date	Mar 18, 2025
Instrument	202500839
Transaction Type	Transfer
Record Updated	Jan 13, 2026

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
Address	220 W 4TH ST, DOUGLAS, NE 68344-3002

August 2021: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	OTOE NE
Recording Date	Aug 20, 2021
Property Address	445 SPRAGUE ST, DOUGLAS, NE 68344-3062
Document Number	0202102542
Instrument Date	May 18, 2021
Instrument	202102542
Transaction Type	Foreclosure
Record Updated	Jan 13, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 W 4TH ST, DOUGLAS, NE 68344-3002
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 445 Sprague St was $713, down 29.7% from the year before.

Source: Otoe County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Otoe County
Municipality	Douglas Village
Unified School District	Sterling Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$713.00 (-29.68%)	$47,698 (+2.58%) Land $3,600 Building $44,098	$47,698 (+2.58%) Land $3,600 Building $44,098
2024	$1,014.00 (+1,743.64%)	$46,498 (+1,837.42%) Land $2,400 Building $44,098	$46,498 (+1,837.42%) Land $2,400 Building $44,098
2023	$55.00	$2,400 Land $2,400	$2,400 Land $2,400

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

Flood

FEMA maps place 445 Sprague St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective February 18, 2011 · 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 Claims	5 (1978–1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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 445 Sprague St is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 69% of Nebraska
Wildfire Likelihood	0.06% 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 DOUGLAS serves 200 people · EPA ID NE3113112
Water Source	Purchased groundwater from OTOE CO RWD #3
Last State Inspection	Apr 2024
Lead	3 ppb (2022–2024) 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL · Fixed Wireless in parts of the area	200 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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