610 Jefferson St, Waterloo, NE 68069 Property Records

Douglas County property record for 610 Jefferson St, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,036 sqft · built 2017
Lot Size	0.267 acres (11,656 sqft)
Owner	2 Trust Names on File
Last Sale	$338,000 (Jun 2021)
Tax Bill	$5,359 (2024)
Deeds & Mortgages	Sep 2023 Transfer Jun 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`R0642950002`

Property Details

APN / Parcel Number

Primary APN	`R0642950002`
Alternative APNs	`4295 0002 06` `0642950002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,036 sqft Living Area
Basement Area	1,944 sqft
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2017
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,656 sqft (0.267 acres)
Lot Dimensions	124 ft deep x 95 ft wide
Garage Type	Basement

Exterior Amenities

Porch	Porch
Porch Area	533 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Fence	Fence
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0642950002
Street Address	610 JEFFERSON ST
City	WATERLOO
State	NE
Zip	68069-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLOCK 18 WATERLOO REPLAT 1 LOT 1 BLOCK 0 LOT 1 95 X 125 APPROX
Legal Subdivision	BLOCK 18 WATERLOO REPLAT 1
Legal Block	18
Legal Lot Number	1
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2036
Census Tract	7508

Owner

610 Jefferson St is owner-occupied and held in a trust since September 2023.

Source: Douglas County records, as of March 16, 2026

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	610 JEFFERSON ST, WATERLOO, NE 68069-2212
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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
Sep 8, 2023	Intrafamily Transfer, Transfer
Jun 29, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NEBRASKA BANK
Feb 11, 2020	Warranty Deed, Transfer · FHA Mortgage CHARTER WEST BANK
Jan 26, 2018	Warranty Deed, Transfer · ARM FIRST NEBRASKA BANK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jun 29, 2021 · Amount on File
Deed Sale	Jun 29, 2021 · Amount on File
Prior Sale	Jun 29, 2021 · Amount on File
Deed Document Number	2021085277
Last Transfer Date	Sep 8, 2023
Transfer Doc	0000068080
Record Updated	Jun 8, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DOUGLAS NE
Recording Date	Sep 8, 2023
Property Address	610 JEFFERSON ST, WATERLOO, NE 68069-2212
Document Number	0000068080
Instrument Date	May 28, 2023
Instrument	2023068080
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jun 29, 2021
Property Address	610 JEFFERSON ST, WATERLOO, NE 68069-2212
Document Number	2021085277
Instrument Date	Jun 17, 2021
Instrument	2021085277
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	RTS TITLE AND ESCROW, RTS TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.50
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 with Right of Survivorship

Mortgage

Document Number	2021085278
Date	Jun 29, 2021
Instrument	2021085278

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	610 JEFFERSON ST, WATERLOO, NE 68069-2212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025691
Date	Apr 18, 2019
Instrument	2019025691

Lender

Name	FIRST NEBRASKA BANK
Type	Bank
Address	STANTON, NE 68779

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2034

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Feb 11, 2020
Property Address	610 JEFFERSON ST, WATERLOO, NE 68069-2212
Document Number	0000013150
Instrument Date	Jan 5, 2020
Instrument	2020013150
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	AMBASSADOR TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
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 with Right of Survivorship

Mortgage

Document Number	0000013151
Date	Feb 11, 2020
Instrument	2020013151

Lender

Name	CHARTER WEST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jan 26, 2018
Property Address	610 JEFFERSON ST, WATERLOO, NE 68069-2212
Document Number	0000007117
Instrument Date	Dec 14, 2017
Instrument	2018007117
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0000007118
Date	Jan 26, 2018
Instrument	2018007118

Lender

Name	FIRST NEBRASKA BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Mar 1, 2023
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Margin	3
Max Rate	18%

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		$446,300 Land $24,000 Building $422,300	$446,300 Land $24,000 Building $422,300
2024	$5,359.00 (-12.59%)
2023	$6,131.00 (+21.91%)	$373,600 Land $24,000 Building $349,600	$373,600 Land $24,000 Building $349,600
2022	$5,029.00

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

Flood

FEMA maps place 610 Jefferson St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 610 Jefferson 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 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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