Douglas County property record for 538 Riverside Dr, Waterloo, NE 68069
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,888 sqft · built 2009 |
| Lot Size | 0.304 acres (13,272 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $70,000 (Aug 2005) |
| Tax Bill | $7,448 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R2118662088 |
| Primary APN | R2118662088 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,888 sqft Living Area |
| Basement Area | 1,888 sqft |
| Finished Basement | 1,200 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 2009 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,272 sqft (0.304 acres) |
| Lot Dimensions | 158 ft deep x 84 ft wide |
| Garage Type | Attached |
| Garage Area | 906 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 286 sqft |
| Deck Area | 230 sqft |
| Patio Area | 230 sqft |
| Storage Building | 88 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | R2118662088 |
|---|---|
| Street Address | 538 RIVERSIDE DR |
| City | WATERLOO |
| State | NE |
| Zip | 68069-9705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ELKHORN |
| Legal Description | RIVERSIDE LAKES LOT 41 BLOCK 0 IRREG |
| Legal Subdivision | RIVERSIDE LAKES |
| Legal Lot Number | 41 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | CHICAGO |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 7508 |
Source: Douglas County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 538 RIVERSIDE DR, WATERLOO, NE 68069-9705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2005 · Amount on Record |
| Deed Sale | Aug 19, 2005 · Amount on Record |
| Deed Document Number | 2005106415 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 538 RIVERSIDE DR, WATERLOO, NE 68069-9705 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 2021129780 |
|---|---|
| Date | Oct 1, 2021 |
| Instrument | 2021129780 |
| Name | FRONTIER BANK |
|---|---|
| Type | Bank |
| Address | LINCOLN, NE 68516 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2036 |
Source: Douglas County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Unified School District | Douglas County West Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $618,200 (+24.94%) Land $65,000 Building $553,200 | $618,200 (+24.94%) Land $65,000 Building $553,200 | |
| 2024 | $7,448.00 (-17.67%) | ||
| 2023 | $9,046.00 (+1.7%) | $494,800 Land $65,000 Building $429,800 | $494,800 Land $65,000 Building $429,800 |
| 2022 | $8,895.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 75 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 75 in force |
| Nearby Flood Claims | 62 (1978–2019) |
| Claims Outside the SFHA | 5 of 62 |
| Most Recent Claim | Mar 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 72% of Nebraska |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DOUGLAS CO SID 177 - RIVERSIDE LAKES private · serves 330 people · EPA ID NE3105508 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Nextlink Fixed Wireless | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, Metronet.
5G (outdoors only) and 4G LTE
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