522 3rd St, Saint Paul, NE 68873 Property Records

Howard County property record for 522 3rd St, Saint Paul, NE 68873

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 984 sqft · built 1905
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$107,000 (Jul 2023)
Tax Bill	$1,334 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2917-00-0-11001-090-0383`

Property Details

APN / Parcel Number

Primary APN	`2917-00-0-11001-090-0383`
Alternative APN	`470997415`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	984 sqft
Basement Area	984 sqft

Exterior

Year Built	Built 1905
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Garage Type	Detached
Garage Area	720 sqft
Driveway	Driveway
Driveway Area	1,152 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	522 3RD ST
City	SAINT PAUL
State	NE
Zip	68873-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE FAMILY
Legal Description	LOTS 7 & 8 BLOCK 90 OT ST PAUL
Legal Block	90
Legal Lot Number	7,8
Jurisdiction	HOWARD NE
Township / Civil Division	ST. PAUL
Census Block Group	2
Census Block	2067
Census Tract	970600

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	Individual Name on Record
Mailing Address	522 3RD ST, SAINT PAUL, NE 68873-2112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2023 · Amount on Record
Deed Sale	Jul 12, 2023 · Amount on Record
Deed Document Number	186
Deed Book / Page	17 / 3943
Prior Transfer Date	Aug 22, 2017
Prior Transfer Doc	2017-01067
Record Updated	Jun 8, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOWARD NE
Recording Date	Aug 22, 2017
Property Address	522 3RD ST, SAINT PAUL, NE 68873-2112
Document Number	00017/3943
Book / Page	17 / 3943
Instrument Date	Aug 17, 2017
Instrument	2017-01067
Transaction Type	Transfer
Record Updated	Mar 7, 2022
Title Company	ADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
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	17/3945
Date	Aug 22, 2017
Book Page	17/3945
Instrument	2017-01068

Lender

Name	GATEWAY MORTGAGE GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 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
Municipality	St. Paul City
Unified School District	St. Paul Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,334.00 (-15.36%)	$107,319 (+20.75%) Land $32,522 Building $74,797	$107,319 (+20.75%) Land $32,522 Building $74,797
2023	$1,576.00	$88,874 Land $32,522 Building $56,352	$88,874 Land $32,522 Building $56,352

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 82% of Nebraska
Wildfire Likelihood	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 ST PAUL serves 2,416 people · EPA ID NE3109306
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	3 ppb (2024–2026) 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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Prairie Hills Wireless, Viaero Wireless.

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