538 U Rd, Palmer, NE 68864 Property Records

Merrick County property record for 538 U Rd, Palmer, NE 68864

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 1,910 sqft · built 2005
Lot Size	20.4 acres (889,060 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,373 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Nov 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0005914.03`

Property Details

APN / Parcel Number

Primary APN	`0005914.03`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,910 sqft Living Area
Gross Area	1,912 sqft
1st Floor Area	1,910 sqft
Basement Area	1,888 sqft
Unfinished Basement	1,888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	889,060 sqft (20.4 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	270 sqft
Utility Building	3,200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	538 U RD
City	PALMER
State	NE
Zip	68864-1113
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	05-AGRICUL
Legal Description	TRACT IN NW1/4 94-49LP PFD
Legal Range	08
Legal Township	14
Legal Section	02
Legal Subdivision	NW1.4 S2-T14N-R8W OF 6TH PM
Jurisdiction	MERRICK NE
Township / Civil Division	LOUP
Census Block Group	3
Census Block	3087
Census Tract	966700

Owner

538 U Rd, a rural home, is owned and occupied by two individuals.

Source: Merrick County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	538 U RD, PALMER, NE 68864-1113
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 10, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRICK NE
Property Address	538 U RD, PALMER, NE 68864-1113
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 U RD, PALMER, NE 68864-1113

Mortgage

Document Number	0202301320
Date	Nov 9, 2023
Instrument	2023-01320

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 17, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRICK NE
Property Address	538 U RD, PALMER, NE 68864-1113
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 U RD, PALMER, NE 68864-1113

Mortgage

Document Number	0202301320
Date	Nov 10, 2023
Instrument	2023-01320

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 17, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 538 U Rd was $3,373.

Source: Merrick County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Merrick County
County Subdivision	Loup Township
Unified School District	Palmer Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$531,895 (+29.16%) Land $72,855 Building $459,040	$550,109 (+33.58%) Land $91,069 Building $459,040
2025	$3,373.00	$411,810 Land $71,015 Building $340,795	$411,810 Land $71,015 Building $340,795
2023	$4,919.00	$404,810 Land $64,015 Building $340,795	$404,810 Land $64,015 Building $340,795

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 538 U Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective September 11, 2015 · 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	7 in force
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2005 · Severe Storms And Flooding

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 U Rd is moderate, ranking above 43% of the US, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 67% 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.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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