Howard County property record for 521 Elm St, Saint Libory, NE 68872
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,260 sqft · built 1978 |
| Lot Size | 0.462 acres (20,125 sqft) |
| Owner | Individual Name on File |
| Last Sale | $223,000 (Jun 2023) |
| Tax Bill | $937 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3013-00-0-90004-000-0379 |
| Primary APN | 3013-00-0-90004-000-0379 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,260 sqft |
| Basement Area | 720 sqft |
| Finished Basement | 648 sqft |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 20,125 sqft (0.462 acres) |
| Lot Dimensions | 175 ft deep x 115 ft wide |
| Garage Type | Attached |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 65 sqft |
| Deck Area | 216 sqft |
| Utility Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 521 ELM ST |
|---|---|
| City | SAINT LIBORY |
| State | NE |
| Zip | 68872-9778 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01-SINGLE FAMILY |
| Legal Description | (SL VIL) LOT 36 KELLER'S SUB 20-13-9 |
| Legal Subdivision | KELLER'S SUB |
| Legal Lot Number | 36 |
| Jurisdiction | HOWARD NE |
| Township / Civil Division | ST. LIBORY |
| Census Block Group | 2 |
| Census Block | 2092 |
| Census Tract | 970500 |
521 Elm St is owned and occupied by an individual who bought it in June 2023.
Source: Howard County records, as of March 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 521 ELM ST, SAINT LIBORY, NE 68872-9778 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2023 · Amount on File |
| Deed Sale | Jun 30, 2023 · Amount on File |
| Deed Document Number | 178 |
| Deed Book / Page | 23 / 1934 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD NE |
| Property Address | 521 ELM ST, SAINT LIBORY, NE 68872-9778 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00023/1935 |
|---|---|
| Date | Jun 30, 2023 |
| Book Page | 23/1935 |
| Instrument | 2023-00555 |
| Name | MORIA DEVELOPMENTS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
The 2025 property tax bill for 521 Elm St was $937.
Source: Howard County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Howard County |
| Unified School District | Northwest Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $937.00 | $194,586 Land $27,031 Building $167,555 | $194,586 Land $27,031 Building $167,555 |
| 2023 | $1,267.00 | $151,572 Land $22,031 Building $129,541 | $151,572 Land $22,031 Building $129,541 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 Elm St in Zone X, an area of minimal flood risk.
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 risk around 521 Elm 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 99.1% of the US · lower than 97.9% 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 3,000 / 3,000 |
| GigFire Fixed Wireless | 150 / 130 |
May also be available: Spectrum, T-Mobile.
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