535 Spruce St, Valparaiso, NE 68065 Property Records

Saunders County property record for 535 Spruce St, Valparaiso, NE 68065

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,550 sqft · built 1888
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$1,000 (Oct 2024)
Tax Bill	$1,706 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2987-22-4-13045-004-1500`

Property Details

APN / Parcel Number

Primary APN	`2987-22-4-13045-004-1500`
Alternative APN	`005871500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,550 sqft Living Area
1st Floor Area	1,214 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	176 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	240 sqft
Deck Area	Deck Area
Patio Area	120 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	535 SPRUCE ST
City	VALPARAISO
State	NE
Zip	68065-5431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	LOTS 1 & 2 EXC S 3' BLOCK 4 JOHNSONS SECOND ADDITION TO VALPARAISO; MAP NUMBER: 2987-22-4-13045-004-1500
Legal Range	05
Legal Township	13
Legal Section	22
Legal Subdivision	VALPARAISO-JOHNSONS 2ND
Legal Block	4
Legal Lot Number	1-2
Jurisdiction	SAUNDERS NE
Township / Civil Division	OAK CREEK
Census Block Group	3
Census Block	3217
Census Tract	968200

Owner

Source: Saunders County records, as of August 24, 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	PO BOX 97, VALPARAISO, NE 68065-0097
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · Line of Credit SPIRIT OF AMERICA FEDERAL CREDIT UNION
Aug 17, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Apr 30, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Sep 11, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Jun 15, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2024 · Amount on Record
Deed Sale	Oct 30, 2024 · Amount on Record
Deed Document Number	2024293
Deed Book / Page	612 / 1152
Prior Transfer Date	Oct 28, 2024
Prior Transfer Doc	0000000293
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Recording Date	Aug 10, 2026
Property Address	535 SPRUCE ST, VALPARAISO, NE 68065-5431
Document Number	0000000096
Book / Page	640 / 592
Instrument Date	Jul 31, 2026
Instrument	202696
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 SPRUCE ST, VALPARAISO, NE 68065-5431

Mortgage

Document Number	0000000096,
Date	Aug 10, 2026
Book Page	640/592
Instrument	202696

Lender

Name	SPIRIT OF AMERICA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 6, 2036

Interest

Rate	6.25%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Property Address	535 SPRUCE ST, VALPARAISO, NE 68065-5431
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005651134
Date	Aug 17, 2021
Book Page	565/1134
Instrument	2021-08-352

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Property Address	535 SPRUCE ST, VALPARAISO, NE 68065-5431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005030565
Date	Apr 30, 2018
Book Page	503/565
Instrument	2018-04-514

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Property Address	535 SPRUCE ST, VALPARAISO, NE 68065-5431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005220178
Date	Sep 11, 2019
Book Page	522/178
Instrument	2019-09-125

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Property Address	535 SPRUCE ST, VALPARAISO, NE 68065-5431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005370101
Date	Jun 15, 2020
Book Page	537/101
Instrument	2020-06-290

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Nebraska
County	Saunders County
County Subdivision	Oak Creek Township
Municipality	Valparaiso Village
Unified School District	Raymond Central Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,706.00 (-34.51%)	$141,062 (-10.88%) Land $24,012 Building $117,050	$141,062 (-10.88%) Land $24,012 Building $117,050
2023	$2,605.00	$158,292 Land $24,745 Building $133,547	$158,292 Land $24,745 Building $133,547

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 January 3, 2019 · 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	2 in force
Nearby Flood Claims	2 (1978–1991)
Most Recent Claim	Jan 1991 · 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 VALPARAISO serves 600 people · EPA ID NE3115511
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2022–2024) 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 118 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
Zito Media Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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