520 Cedar St, Otoe, NE 68417 Property Records

Otoe County property record for 520 Cedar St, Otoe, NE 68417

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,525 sqft · built 1910
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Oct 2025)
Tax Bill	$664 (2025)
Deeds & Mortgages	Sep 2005 Mortgage Jan 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000767500`

Property Details

APN / Parcel Number

Primary APN	`000767500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,525 sqft Living Area
Gross Area	1,368 sqft
1st Floor Area	976 sqft
Basement Area	144 sqft
Unfinished Basement	144 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Other
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	132 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	140 sqft
Patio Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	520 CEDAR ST
City	OTOE
State	NE
Zip	68417-4010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	LOTS 5-8 BLK 2 LA MASTER'S ADD OTOE; MAP NUMBER: 3493-00-0-60400-002-0005
Legal Subdivision	LAMASTER'S ADD
Legal Block	2
Legal Lot Number	5-8
Jurisdiction	OTOE NE
Township / Civil Division	BERLIN
Census Block Group	1
Census Block	1057
Census Tract	966700

Owner

520 Cedar St is owned and occupied by two individuals who bought it in October 2025.

Source: Otoe County records, as of June 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	520 CEDAR ST, OTOE, NE 68417-4010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2005	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND COMMUNITY BANK
Jan 19, 2006	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND COMMUNITY BANK
Oct 23, 2025	Special Warranty Deed, Transfer · Closed-End Mortgage COUNTRYSIDE BANK
Sep 16, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2025 · Amount on File
Deed Sale	Oct 23, 2025 · Amount on File
Prior Sale	Jul 28, 2025 · Amount on File
Deed Document Number	20252321
Prior Transfer Date	Sep 16, 2025
Prior Transfer Doc	0202502010
Record Updated	Sep 20, 2026

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	520 CEDAR ST, OTOE, NE 68417-4010
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200503109
Date	Sep 21, 2005
Instrument	200503109

Lender

Name	HEARTLAND COMMUNITY BANK
Address	WEEPING WATER, NE 68463

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 16, 2010

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTOE NE
Property Address	520 CEDAR ST, OTOE, NE 68417-4010
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200600171
Date	Jan 19, 2006
Instrument	200600171

Lender

Name	HEARTLAND COMMUNITY BANK
Address	82463

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	59 Months
Due	Dec 10, 2010

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OTOE NE
Recording Date	Oct 23, 2025
Property Address	520 CEDAR ST, OTOE, NE 68417-4010
Document Number	0202502321
Instrument Date	Sep 30, 2025
Instrument	202502321
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	333 S ANITA DR # DR400, DR400, ORANGE, CA 92868-3356

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 CEDAR ST, OTOE, NE 68417-4010
Investor	Possibly a Property Investor

Mortgage

Document Number	0202502322
Date	Oct 23, 2025
Instrument	202502322

Lender

Name	COUNTRYSIDE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	72 Months
Due	Oct 15, 2031

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTOE NE
Recording Date	Sep 16, 2025
Property Address	520 CEDAR ST, OTOE, NE 68417-4010
Document Number	0202502010
Instrument Date	Sep 16, 2025
Instrument	202502010
Transaction Type	Transfer
Record Updated	Oct 6, 2025

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
Address	333 S ANITA DR STE 400, 400, ORANGE, CA 92868-3314
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 520 Cedar St was $664, down 19.5% from the year before.

Source: Otoe County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Otoe County
Municipality	Otoe Village
Unified School District	Syracuse-Dunbar-Avoca Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$664.00 (-19.52%)	$40,611 (+5.98%) Land $1,245 Building $39,366	$40,611 (+5.98%) Land $1,245 Building $39,366
2024	$825.00 (-14.6%)	$38,321 (-) Land $830 Building $37,491	$38,321 (-) Land $830 Building $37,491
2023	$966.00	$38,321 Land $830 Building $37,491	$38,321 Land $830 Building $37,491

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

Flood

FEMA maps place 520 Cedar St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective February 18, 2011 · 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	9 in force
Nearby Flood Claims	5 (1982–2010)
Most Recent Claim	Jun 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2010 · 2 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

Wildfire risk around 520 Cedar St 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 97% of the US · lower than 93% 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	VILLAGE OF OTOE serves 288 people · EPA ID NE3113108
Water Source	Purchased groundwater from OTOE CO RWD #3
Last State Inspection	Jan 2025
Lead	4 ppb (2021–2023) action level 15 ppb

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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pinpoint Communications Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Windstream DSL	200 / 20

May also be available: GigFire, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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