511 N Saunders Ave, Sutton, NE 68979 Property Records

Clay County property record for 511 N Saunders Ave, Sutton, NE 68979

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,654 sqft · built 1976
Lot Size	0.251 acres (10,950 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Aug 2021)
Tax Bill	$3,067 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage May 2021 Transfer
Flood Zone	Zone A (high risk)
APN	`3757-00-0-77005-006-8009`

Property Details

APN / Parcel Number

Primary APN	`3757-00-0-77005-006-8009`
Alternative APN	`000800900`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,654 sqft Living Area
1st Floor Area	1,654 sqft
Basement Area	2,481 sqft
Finished Basement	735 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Bi-Level
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	10,950 sqft (0.251 acres)
Lot Dimensions	150 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	750 sqft
Driveway	Driveway
Driveway Area	893 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	78 sqft
Deck Area	320 sqft
Shed	1 Shed
Shed Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	511 N SAUNDERS AVE
City	SUTTON
State	NE
Zip	68979-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	N 73' OF NE1/4 BLK 6 OT SUTTON CITY
Legal Subdivision	ORIGINAL TOWN OF SUTTON
Legal Block	6
Jurisdiction	CLAY NE
Township / Civil Division	SUTTON
Census Block Group	3
Census Block	3032
Census Tract	962100

Owner

Source: Clay County records, as of August 18, 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	PO BOX 612, SUTTON, NE 68979-0612
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION BANK & TRUST CO
May 3, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2021 · Amount on Record
Deed Sale	Aug 3, 2021 · Amount on Record
Deed Document Number	20211127
Deed Book / Page	134 / 294
Prior Transfer Date	Apr 26, 2021
Prior Transfer Doc	000134/158
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Aug 3, 2021
Property Address	511 N SAUNDERS AVE, SUTTON, NE 68979-2505
Document Number	000134/294
Book / Page	134 / 294
Instrument Date	Jul 30, 2021
Instrument	2021-01127
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$416.25
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	Revocable Living Trust
Address	PO BOX 1347, HASTINGS, NE 68902-1347

Mortgage

Document Number	0202101128
Date	Aug 3, 2021
Instrument	2021-01128

Lender

Name	UNION BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NE
Recording Date	May 3, 2021
Property Address	511 N SAUNDERS AVE, SUTTON, NE 68979-2505
Document Number	000134/158
Book / Page	134 / 158
Instrument Date	Apr 26, 2021
Instrument	2021-00562
Transaction Type	Transfer
Record Updated	May 26, 2023

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	Revocable Living Trust

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		$230,610 (+9.23%) Land $10,570 Building $220,040	$230,610 (+9.23%) Land $10,570 Building $220,040
2025	$3,067.00 (-10.16%)	$211,125 (+15.54%) Land $5,285 Building $205,840	$211,125 (+15.54%) Land $5,285 Building $205,840
2023	$3,414.00	$182,735 Land $5,285 Building $177,450	$182,735 Land $5,285 Building $177,450

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 July 4, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 98% of the US · lower than 96% of Nebraska
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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