45 N Seward St, Red Cloud, NE 68970 Property Records

Webster County property record for 45 N Seward St, Red Cloud, NE 68970

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 688 sqft · built 1890
Lot Size	0.204 acres (8,875 sqft)
Owner	Individual Name on Record
Last Sale	$33,000 (Jul 2026)
Tax Bill	$93 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`000144300`

Property Details

APN / Parcel Number

Primary APN	`000144300`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	688 sqft Living Area
1st Floor Area	688 sqft
Basement Area	368 sqft
Unfinished Basement	368 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,875 sqft (0.204 acres)
Lot Dimensions	142 ft deep x 62.5 ft wide
Garage Type	Detached
Garage Area	660 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	296 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	45 N SEWARD ST
City	RED CLOUD
State	NE
Zip	68970-2620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	LOTS 1 & 2 & NORTH 12'6 LOT 3 BLOCK 5 GARBER'S ADDITION RED CLOUD
Legal Range	11
Legal Township	01
Legal Section	00
Legal Subdivision	GARBER'S ADD
Legal Block	5
Legal Lot Number	1,2,3
Jurisdiction	WEBSTER NE
Township / Civil Division	5
Census Block Group	1
Census Block	1117
Census Tract	965100

Owner

Source: Webster County records, as of October 20, 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 Record
Mailing Address	45 N SEWARD ST, RED CLOUD, NE 68970-2620
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK
Aug 22, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2026 · Amount on Record
Deed Sale	Jul 28, 2026 · Amount on Record
Prior Sale	Aug 22, 2019 · Amount on Record
Deed Book / Page	2026 / 2056
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER NE
Recording Date	Jul 28, 2026
Property Address	45 N SEWARD ST, RED CLOUD, NE 68970-2620
Document Number	2026002056
Book / Page	2026 / 2056
Instrument Date	Jul 27, 2026
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$11,065.56
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 N SEWARD ST, RED CLOUD, NE 68970-2620

Mortgage

Document Number	2026002057,
Date	Jul 28, 2026
Book Page	2026/2057

Lender

Name	HERITAGE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.52%
Max Rate	-1%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER NE
Recording Date	Aug 22, 2019
Property Address	45 N SEWARD ST, RED CLOUD, NE 68970-2620
Document Number	02019/2000
Book / Page	2019 / 2000
Instrument Date	Aug 20, 2019
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Tax	$11.25
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

Tax Assessment & Valuation

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		$13,020 (+58.2%) Land $1,640 Building $11,380	$13,020 (+58.2%) Land $1,640 Building $11,380
2025	$93.00 (+16.25%)	$8,230 (+53.12%) Land $1,640 Building $6,590	$8,230 (+53.12%) Land $1,640 Building $6,590
2023	$80.00	$5,375 Land $1,365 Building $4,010	$5,375 Land $1,365 Building $4,010

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	9 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2019 · 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 99.8% of the US · lower than 99.5% 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	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 101 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

May also be available: Nextlink, Viaero Wireless.

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