538 N Elm St, Red Cloud, NE 68970 Property Records

Webster County property record for 538 N Elm St, Red Cloud, NE 68970

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,905 sqft · built 1900
Lot Size	0.244 acres (10,650 sqft)
Owner	2 Individual Names on File
Tax Bill	$61 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jul 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000120300`

Property Details

APN / Parcel Number

Primary APN	`000120300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,905 sqft Living Area
1st Floor Area	1,270 sqft
Basement Area	1,270 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Multi-Family
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	72 sqft
Deck Area	120 sqft
Shed	1 Shed
Shed Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	538 N ELM ST
City	RED CLOUD
State	NE
Zip	68970-2453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	LOTS 24-26 & SOUTH 4' VACATED ALLEY NORTH LOT 26 BLOCK 2 RICHARDSON'S ADDITION RED CLOUD
Legal Range	11
Legal Township	02
Legal Section	00
Legal Subdivision	RICHARDSON'S ADD
Legal Block	2
Legal Lot Number	24-26
Jurisdiction	WEBSTER NE
Township / Civil Division	5
Census Block Group	2
Census Block	2093
Census Tract	965100

Owner

538 N Elm St is owned by two individuals who acquired it in November 2010.

Source: Webster County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	520 KENNEDY DR, GRAND ISLAND, NE 68803-4134
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
Aug 1, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage HIGH FLOW PARTNERSHIP
Jul 5, 2023	Warranty Deed, Transfer
Jun 7, 2023	Warranty Deed, Transfer
Nov 29, 2010	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 29, 2010
Transfer Doc	02010/2078
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER NE
Recording Date	Aug 1, 2023
Property Address	538 N ELM ST, RED CLOUD, NE 68970-2453
Document Number	02023/1476
Book / Page	2023 / 1476
Instrument Date	Aug 1, 2023
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0020231477
Date	Aug 1, 2023
Instrument	2023/1477

Lender

Name	HIGH FLOW PARTNERSHIP
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	34 Months
Due	Jun 1, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER NE
Recording Date	Jul 5, 2023
Property Address	538 N ELM ST, RED CLOUD, NE 68970-2453
Document Number	02023/1275
Book / Page	2023 / 1275
Instrument Date	Jun 27, 2023
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Tax	$27.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER NE
Recording Date	Jun 7, 2023
Property Address	538 N ELM ST, RED CLOUD, NE 68970-2453
Document Number	02023/1110
Book / Page	2023 / 1110
Instrument Date	Jun 6, 2023
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Tax	$15.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2010: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEBSTER NE
Recording Date	Nov 29, 2010
Property Address	538 N ELM ST, RED CLOUD, NE 68970-2453
Document Number	02010/2078
Book / Page	2010 / 2078
Instrument Date	Nov 29, 2010
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 538 N Elm St was $61, up 22% from the year before.

Source: Webster County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Webster County
Municipality	Red Cloud City
Unified School District	Red Cloud Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,760 (+6.37%) Land $1,970 Building $3,790	$5,760 (+6.37%) Land $1,970 Building $3,790
2025	$61.00 (+22%)	$5,415 (+6.49%) Land $1,970 Building $3,445	$5,415 (+6.49%) Land $1,970 Building $3,445
2024	$50.00 (-51.46%)	$5,085 (-26.83%) Land $1,640 Building $3,445	$5,085 (-26.83%) Land $1,640 Building $3,445
2023	$103.00	$6,950 Land $1,640 Building $5,310	$6,950 Land $1,640 Building $5,310

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 538 N Elm St 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 May 16, 2008 · 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	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017 · other causes

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 538 N 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 96% of the US · lower than 91% 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 RED CLOUD serves 991 people · EPA ID NE3118301
Water Source	Groundwater
Last State Inspection	Mar 2025
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	2 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Great Plains Communications Fiber	2,000 / 2,000
Vyve Broadband Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, Viaero Wireless.

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