506 W Cedar St, Sutton, NE 68979 Property Records

Clay County property record for 506 W Cedar St, Sutton, NE 68979

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,177 sqft · built 1903
Lot Size	0.281 acres (12,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Mar 2026)
Tax Bill	$1,680 (2025)
Deeds & Mortgages	Mar 2014 Mortgage Jun 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3757-00-0-77050-013-8604`

Property Details

APN / Parcel Number

Primary APN	`3757-00-0-77050-013-8604`
Alternative APN	`000860400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,177 sqft Living Area
1st Floor Area	1,156 sqft
Basement Area	1,156 sqft
Unfinished Basement	1,156 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 2024
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,250 sqft (0.281 acres)
Lot Dimensions	125 ft deep x 98 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	631 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	506 W CEDAR ST
City	SUTTON
State	NE
Zip	68979-2008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	W48' LOT 3 & ALL OF LOT 4 BLK 13 CLARKS 2ND ADD SUTTON CITY
Legal Subdivision	CLARKS 2ND ADD
Legal Block	13
Legal Lot Number	3,4
Jurisdiction	CLAY NE
Township / Civil Division	SUTTON
Census Block Group	3
Census Block	3038
Census Tract	962100

Owner

Source: Clay County records, as of October 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	506 W CEDAR ST, SUTTON, NE 68979-2008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2014	Deed of Trust, Mortgage CORNERSTONE BANK
Jun 28, 2024	Deed of Trust, Mortgage · Line of Credit MIDWEST BANK
Mar 9, 2026	Warranty Deed, Transfer · FHA Mortgage BETTER MORTGAGE CORPORATION
Aug 29, 2018	Warranty Deed, Transfer ADAMS LAND TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2026 · Amount on Record
Deed Sale	Mar 9, 2026 · Amount on Record
Prior Sale	Mar 1, 2024 · Amount on Record
Deed Document Number	2026408
Record Updated	Oct 29, 2026

March 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	506 W CEDAR ST, SUTTON, NE 68979-2008
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000239/8
Date	Mar 26, 2014
Book Page	239/8

Lender

Name	CORNERSTONE BANK
Address	YORK, NE 68467

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2029

Interest

Rate Type	Adjustable Rate

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	506 W CEDAR ST, SUTTON, NE 68979-2008
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 W 4TH ST, YORK, NE 68467-3421

Mortgage

Document Number	0202400557
Date	Jun 28, 2024
Instrument	202400557

Lender

Name	MIDWEST BANK
Type	Bank
Address	YORK, NE 68467

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Mar 9, 2026
Property Address	506 W CEDAR ST, SUTTON, NE 68979-2008
Document Number	0202600408
Instrument Date	Mar 2, 2026
Instrument	202600408
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	COOKE COUNTY TITLE COMPANY, YORK COUNTY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$533.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0202600409
Date	Mar 9, 2026
Instrument	202600409

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Aug 29, 2018
Property Address	506 W CEDAR ST, SUTTON, NE 68979-2008
Document Number	000131/520
Book / Page	131 / 520
Instrument Date	Aug 24, 2018
Instrument	2018-00782
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	ADAMS LAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$101.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Clay County assessment roll, as of March 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$128,865 (+11.47%) Land $11,350 Building $117,515	$128,865 (+11.47%) Land $11,350 Building $117,515
2025	$1,680.00 (+30.84%)	$115,610 (+68.23%) Land $5,675 Building $109,935	$115,610 (+68.23%) Land $5,675 Building $109,935
2023	$1,284.00	$68,720 Land $5,675 Building $63,045	$68,720 Land $5,675 Building $63,045

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 July 4, 2018 · 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	5 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 93% of the US · lower than 88% of Nebraska
Wildfire Likelihood	0.03% 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 SUTTON serves 1,447 people · EPA ID NE3103507
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	3 ppb (2023–2025) action level 15 ppb
Copper	1.63 mg/L (2019) action level 1.3 mg/L

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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Glenwood Telecommunications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Zito Media Cable	100 / 25

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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