605 S Saunders Ave, Sutton, NE 68979 Property Records

Clay County property record for 605 S Saunders Ave, Sutton, NE 68979

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,829 sqft · built 1900
Lot Size	0.257 acres (11,193 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Mar 2023)
Tax Bill	$2,134 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3757-00-0-77010-044-8402`

Property Details

APN / Parcel Number

Primary APN	`3757-00-0-77010-044-8402`
Alternative APN	`000840200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,829 sqft Living Area
1st Floor Area	1,107 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,193 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	605 S SAUNDERS AVE
City	SUTTON
State	NE
Zip	68979-2043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	S36' OF LOT 4 & LOT 5 BLK 44 1ST ADD SUTTON CITY
Legal Subdivision	1ST ADD
Legal Block	44
Legal Lot Number	4,5
Jurisdiction	CLAY NE
Township / Civil Division	SUTTON
Census Block Group	4
Census Block	4069
Census Tract	962100

Owner

Source: Clay County records, as of August 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	605 S SAUNDERS AVE, SUTTON, NE 68979-2043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Mar 7, 2023	Warranty Deed, Transfer · Conventional Mortgage CS BANK
Nov 16, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2023 · Amount on Record
Deed Sale	Mar 6, 2023 · Amount on Record
Prior Sale	Nov 16, 2020 · Amount on Record
Deed Document Number	2023235
Deed Book / Page	136 / 18
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	605 S SAUNDERS AVE, SUTTON, NE 68979-2043
Transaction Type	Mortgage
Record Updated	May 26, 2023
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000257/120
Date	Oct 1, 2019
Book Page	257/120
Instrument	2019-01006

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2049

Interest

Rate Type	Fixed Rate

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Mar 7, 2023
Property Address	605 S SAUNDERS AVE, SUTTON, NE 68979-2043
Document Number	0000136/18
Book / Page	136 / 18
Instrument Date	Mar 6, 2023
Instrument	2023-00235
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	NOT AVAILABLE, ADAMS LAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202300236
Date	Mar 7, 2023
Instrument	2023-00236

Lender

Name	CS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2033

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Nov 16, 2020
Property Address	605 S SAUNDERS AVE, SUTTON, NE 68979-2043
Document Number	000133/385
Book / Page	133 / 385
Instrument Date	Nov 13, 2020
Instrument	2020-01213
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	NOT AVAILABLE, ADAMS LAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0202001214
Date	Nov 16, 2020
Instrument	2020-01214

Lender

Name	UNION BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Clay County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Clay County
Municipality	Sutton City
Unified School District	Sutton Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$161,990 (+10.29%) Land $10,715 Building $151,275	$161,990 (+10.29%) Land $10,715 Building $151,275
2025	$2,134.00 (-10.3%)	$146,875 (+15.33%) Land $5,360 Building $141,515	$146,875 (+15.33%) Land $5,360 Building $141,515
2023	$2,379.00 (-7.97%)	$127,355 (-9.04%) Land $5,360 Building $121,995	$127,355 (-9.04%) Land $5,360 Building $121,995
2022	$2,585.00	$140,010 Land $3,520 Building $136,490	$140,010 Land $3,520 Building $136,490

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 July 4, 2018 · 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	6 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017 · 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 99.8% of the US · lower than 99.5% 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 SUTTON serves 1,447 people · EPA ID NE3103507
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	3 ppb (2023–2025) action level 15 ppb
Copper	1.63 mg/L (2019) action level 1.3 mg/L

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 314 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
Glenwood Telecommunications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Zito Media Cable	100 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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