509 5th St, Waterloo, NE 68069 Property Records

Douglas County property record for 509 5th St, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,570 sqft · built 1880
Lot Size	0.187 acres (8,184 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Nov 2022)
Tax Bill	$2,651 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`R2412820000`

Property Details

APN / Parcel Number

Primary APN	`R2412820000`
Alternative APNs	`1282 0000 24` `2412820000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,570 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1880
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,184 sqft (0.187 acres)
Lot Dimensions	124 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R2412820000
Street Address	509 5TH ST
City	WATERLOO
State	NE
Zip	68069-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WATERLOO
Legal Description	WATERLOO-TOWN OF- LOT 10 BLOCK 20 66 X 124
Legal Subdivision	WATERLOOTOWN OF
Legal Block	20
Legal Lot Number	10
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2059
Census Tract	7508

Owner

Source: Douglas 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	Individual Name on Record
Mailing Address	509 5TH ST, WATERLOO, NE 68069-2201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST
May 27, 2020	Warranty Deed, Transfer · FHA Mortgage REGENT FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2022 · Amount on Record
Deed Sale	Nov 22, 2022 · Amount on Record
Prior Sale	May 27, 2020 · Amount on Record
Deed Document Number	2022113591
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Nov 22, 2022
Property Address	509 5TH ST, WATERLOO, NE 68069-2201
Document Number	0000113591
Instrument Date	Nov 4, 2022
Instrument	2022113591
Transaction Type	Transfer
Record Updated	Jan 9, 2023
Title Company	RTS TITLE AND ESCROW, RTS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$551.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000113592
Date	Nov 22, 2022
Instrument	2022113592

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	May 27, 2020
Property Address	509 5TH ST, WATERLOO, NE 68069-2201
Document Number	2020049838
Instrument Date	May 19, 2020
Instrument	2020049838
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020049839
Date	May 27, 2020
Instrument	2020049839

Lender

Name	REGENT FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Nebraska
County	Douglas County
Municipality	Waterloo Village
Unified School District	Douglas County West Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$219,800 (+18.49%) Land $21,200 Building $198,600	$219,800 (+18.49%) Land $21,200 Building $198,600
2024	$2,651.00 (-12.91%)
2023	$3,044.00 (-2.37%)	$185,500 Land $21,200 Building $164,300	$185,500 Land $21,200 Building $164,300
2022	$3,118.00

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 March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	38 (1978–2024)
Claims Outside the SFHA	2 of 38
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 14 claims

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	Not rated no burnable land within 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 WATERLOO serves 962 people · EPA ID NE3105517
Water Source	Purchased surface water from METROPOLITAN UTILITIES DISTRICT
Last State Inspection	Oct 2025
Lead	12 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Nextlink Fixed Wireless	500 / 200
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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