511 Spruce St, Saint Libory, NE 68872 Property Records

Howard County property record for 511 Spruce St, Saint Libory, NE 68872

Property Summary

Property Type	Rural Home
Details	5 bd · 4 ba · 2,125 sqft · built 2017
Lot Size	5.32 acres (232,175 sqft)
Owner	2 Individual Names on Record
Last Sale	$53,410 (Oct 2016)
Tax Bill	$2,207 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`470874623`

Property Details

APN / Parcel Number

Primary APN	`470874623`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,125 sqft
Basement Area	2,125 sqft
Finished Basement	1,912 sqft

Exterior

Year Built	Built 2017
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	232,175 sqft (5.32 acres)
Garage Type	Attached
Garage Area	1,064 sqft
Driveway	Driveway
Driveway Area	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	279 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	511 SPRUCE ST
City	SAINT LIBORY
State	NE
Zip	68872-3225
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	05-AGRICULTURAL
Legal Description	(SL TWP) LOT 1 HUSKERS 5X SUB 21-13-9 (5.33 ACRES)
Legal Subdivision	HUSKERS 5X SUB
Legal Lot Number	1
Jurisdiction	HOWARD NE
Township / Civil Division	ST. LIBORY
Census Block Group	2
Census Block	2030
Census Tract	970500

Owner

Source: Howard County records, as of March 9, 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	511 SPRUCE ST, SAINT LIBORY, NE 68872-3225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2017	Deed of Trust, Mortgage · Balloon Mortgage HOME FEDL S & L GRAND ISLAND
Nov 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOME FEDL S & L GRAND ISLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2016 · Amount on Record
Deed Sale	Oct 20, 2016 · Amount on Record
Deed Document Number	326
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD NE
Property Address	511 SPRUCE ST, SAINT LIBORY, NE 68872-3225
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17/3475
Date	Aug 2, 2017
Book Page	17/3475
Instrument	2017-00943

Lender

Name	HOME FEDL S & L GRAND ISLAND
Type	Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 1, 2018

Interest

Rate Type	Fixed Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD NE
Property Address	511 SPRUCE ST, SAINT LIBORY, NE 68872-3225
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17/5628
Date	Nov 29, 2017
Book Page	17/5628
Instrument	2017-01498

Lender

Name	HOME FEDL S & L GRAND ISLAND
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Nebraska
County	Howard County
Unified School District	Northwest Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,207.00 (-31.1%)	$458,098 (+19.6%) Land $80,000 Building $378,098	$458,098 (+19.6%) Land $80,000 Building $378,098
2023	$3,203.00	$383,037 Land $55,000 Building $328,037	$383,037 Land $55,000 Building $328,037

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 June 8, 2017 · 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	3 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
GigFire Fixed Wireless	150 / 130

May also be available: CenturyLink.

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