512 S Saunders Ave, Sutton, NE 68979 Property Records

Clay County property record for 512 S Saunders Ave, Sutton, NE 68979

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,896 sqft · built 1873
Lot Size	0.231 acres (10,080 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Mar 2020)
Tax Bill	$2,048 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3757-00-0-77010-040-8379`

Property Details

APN / Parcel Number

Primary APN	`3757-00-0-77010-040-8379`
Alternative APN	`000837900`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,896 sqft Living Area
1st Floor Area	1,168 sqft

Exterior

Year Built	Built 1873
Effective Year Built	Effective 1873
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	10,080 sqft (0.231 acres)
Lot Dimensions	140 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	896 sqft
Parking Spaces	3 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	512 S SAUNDERS AVE
City	SUTTON
State	NE
Zip	68979-2040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	LOT 7 & S1/2 LOT 8 BLK 40 1ST ADD SUTTON CITY
Legal Subdivision	1ST ADD
Legal Block	40
Legal Lot Number	7,8
Jurisdiction	CLAY NE
Township / Civil Division	SUTTON
Census Block Group	4
Census Block	4056
Census Tract	962100

Owner

512 S Saunders Ave is owned by an individual who bought it in March 2020.

Source: Clay County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 277, SUTTON, NE 68979-0277
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK
Mar 9, 2020	Warranty Deed, Transfer · FHA Mortgage UNION BANK & TRUST CO
Mar 9, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2020 · Amount on File
Deed Sale	Mar 9, 2020 · Amount on File
Prior Sale	Mar 9, 2020 · Amount on File
Deed Document Number	2020230
Deed Book / Page	133 / 999
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	512 S SAUNDERS AVE, SUTTON, NE 68979-2040
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000256/82
Date	Jun 5, 2019
Book Page	256/82
Instrument	2019-00578

Lender

Name	HEARTLAND BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Mar 9, 2020
Property Address	512 S SAUNDERS AVE, SUTTON, NE 68979-2040
Document Number	000133/999
Book / Page	133 / 999
Instrument Date	Mar 5, 2020
Instrument	2020-00230
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.25
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	0202000231
Date	Mar 9, 2020
Instrument	2020-00231

Lender

Name	UNION BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Mar 9, 2020
Property Address	512 S SAUNDERS AVE, SUTTON, NE 68979-2040
Document Number	0000133/75
Book / Page	133 / 75
Instrument Date	Mar 2, 2020
Instrument	2020-00224
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount on Record
Tax	$123.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 512 S Saunders Ave was $2,048.

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		$155,340 (+10.22%) Land $10,050 Building $145,290	$155,340 (+10.22%) Land $10,050 Building $145,290
2025	$2,048.00	$140,940 Land $5,025 Building $135,915	$140,940 Land $5,025 Building $135,915
2023	$2,283.00	$122,195 Land $5,025 Building $117,170	$122,195 Land $5,025 Building $117,170

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 512 S Saunders Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017 · rainfall accumulation

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

Wildfire risk around 512 S Saunders Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.5% of Nebraska
Wildfire Likelihood	Under 0.01% 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 314 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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