604 N Front St, Waterloo, NE 68069 Property Records

Douglas County property record for 604 N Front St, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,028 sqft · built 1976
Lot Size	0.187 acres (8,184 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Dec 2018)
Tax Bill	$2,891 (2024)
Deeds & Mortgages	Dec 2019 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`R2411540000`

Property Details

APN / Parcel Number

Primary APN	`R2411540000`
Alternative APNs	`1154 0000 24` `2411540000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,028 sqft Living Area
Basement Area	960 sqft
Finished Basement	512 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,184 sqft (0.187 acres)
Lot Dimensions	124 ft deep x 66 ft wide
Garage Type	Basement

Exterior Amenities

Porch	Porch
Porch Area	210 sqft
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R2411540000
Street Address	604 N FRONT ST
City	WATERLOO
State	NE
Zip	68069-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERLOO-TOWN OF- LOT 9 BLOCK 7 66 X 124
Legal Subdivision	WATERLOOTOWN OF
Legal Block	7
Legal Lot Number	9
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2041
Census Tract	7508

Owner

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	Individual Name on Record
Mailing Address	PO BOX 171, WATERLOO, NE 68069-0171
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2019	Deed of Trust, Mortgage · Conventional with PMI UNION BK&TR
Dec 20, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NEBRASKA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2018 · Amount on Record
Deed Sale	Dec 20, 2018 · Amount on Record
Prior Sale	Oct 24, 2013 · Amount on Record
Deed Document Number	2018100419
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	604 N FRONT ST, WATERLOO, NE 68069-2207
Document Number	0000112767
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 N FRONT ST WATERLOO NE 680692207, WATERLOO, NE 68069-2207

Mortgage

Document Number	0000112767
Date	Dec 19, 2019
Instrument	112767

Lender

Name	UNION BK&TR
Type	Bank
Address	LINCOLN, NE 68506

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Dec 20, 2018
Property Address	604 N FRONT ST, WATERLOO, NE 68069-2207
Document Number	2018100419
Instrument Date	Dec 18, 2018
Instrument	2018100419
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$364.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000
Investor	Possibly a Property Investor

Mortgage

Document Number	2018100420
Date	Dec 20, 2018
Instrument	2018100420

Lender

Name	FIRST NEBRASKA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Nebraska
County	Douglas County
Municipality	Waterloo Village
Unified School District	Douglas County West Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$241,900 (+17.83%) Land $21,200 Building $220,700	$241,900 (+17.83%) Land $21,200 Building $220,700
2024	$2,891.00 (-14.19%)
2023	$3,369.00 (+3.03%)	$205,300 Land $21,200 Building $184,100	$205,300 Land $21,200 Building $184,100
2022	$3,270.00

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 March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	38 (1978–2024)
Claims Outside the SFHA	2 of 38
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 14 claims

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 99.1% of the US · lower than 97.9% of Nebraska
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 WATERLOO serves 962 people · EPA ID NE3105517
Water Source	Purchased surface water from METROPOLITAN UTILITIES DISTRICT
Last State Inspection	Oct 2025
Lead	12 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Nextlink Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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