Douglas County property record for 509 S 251st St, Waterloo, NE 68069
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 5 ba · 2,535 sqft · built 2005 |
| Lot Size | 0.575 acres (25,088 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $800,000 (Sep 2017) |
| Tax Bill | $14,329 (2024) |
| Deeds & Mortgages | May 2020 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone AO (high risk) |
| APN | R2524500408 |
| Primary APN | R2524500408 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,535 sqft Living Area |
| Basement Area | 2,711 sqft |
| Finished Basement | 2,135 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 25,088 sqft (0.575 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Mixed |
| Garage Area | 1,263 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 704 sqft |
| Deck Area | 274 sqft |
| Patio Area | 232 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R2524500408 |
|---|---|
| Street Address | 509 S 251ST ST |
| City | WATERLOO |
| State | NE |
| Zip | 68069-4699 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WEST SHORES LOT 150 BLOCK 0 IRREG |
| Legal Subdivision | WEST SHORES |
| Legal Lot Number | 150 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 7508 |
509 S 251st St is owned and occupied by two individuals who bought it in September 2017.
Source: Douglas County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 509 S 251ST ST, WATERLOO, NE 68069-4699 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| May 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION BK&TR |
| Sep 25, 2017 | Warranty Deed, Transfer UNION BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2017 · Amount on File |
| Deed Sale | Sep 25, 2017 · Amount on File |
| Prior Sale | Apr 18, 2002 · Amount on File |
| Deed Document Number | 2017076537 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 509 S 251ST ST, WATERLOO, NE 68069-4699 |
| Document Number | 0000044601 |
| Instrument Date | May 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 509 S 251ST ST WATERLOO NE 680694699, WATERLOO, NE 68069-4699 |
| Document Number | 0000044601 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 44601 |
| Name | UNION BK&TR |
|---|---|
| Type | Bank |
| Address | LINCOLN, NE 68506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 11, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Sep 25, 2017 |
| Property Address | 509 S 251ST ST, WATERLOO, NE 68069-4699 |
| Document Number | 0000076537 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 76537 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2017 |
| Title Company | AMBASSADOR TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,800.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 509 S 251ST ST WATERLOO NE 680694699, WATERLOO, NE 68069-4699 |
| Document Number | 76538 |
|---|---|
| Date | Sep 25, 2017 |
| Instrument | 76538 |
| Name | UNION BK&TR |
|---|---|
| Type | Bank |
| Address | LINCOLN, NE 68506 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 24, 2047 |
Source: Douglas County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Unified School District | Douglas County West Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,159,000 Land $237,800 Building $921,200 | $1,159,000 Land $237,800 Building $921,200 | |
| 2024 | $14,329.00 (-5.67%) | ||
| 2023 | $15,191.00 (-10.1%) | $941,700 Land $237,800 Building $703,900 | $941,700 Land $237,800 Building $703,900 |
| 2022 | $16,897.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 S 251st St in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AO high risk · sheet flow 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 75 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 75 in force |
| Nearby Flood Claims | 62 (1978–2019) |
| Claims Outside the SFHA | 5 of 62 |
| Most Recent Claim | Mar 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 509 S 251st St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: FCC Broadband Data Collection, based on 60 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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