6181 Elderberry Ln, Roca, NE 68430 Property Records

Lancaster County property record for 6181 Elderberry Ln, Roca, NE 68430

Property Summary

Property Type	Rural Home
Details	4 bd · 5 ba · 2,860 sqft · built 2019
Lot Size	2.92 acres (127,195 sqft)
Owner	2 Individual Names on File
Last Sale	$92,000 (Aug 2019)
Tax Bill	$11,664 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jan 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`15-16-418-009-000`

Property Details

APN / Parcel Number

Primary APN	`15-16-418-009-000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	2,860 sqft Living Area
1st Floor Area	1,901 sqft
Upper Floors Area	959 sqft
Basement Area	1,901 sqft
Finished Basement	1,750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	127,195 sqft (2.92 acres)
Garage Type	Attached
Garage Area	1,422 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	568 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	6181 ELDERBERRY LN
City	ROCA
State	NE
Zip	68430-4357
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AGR
Legal Description	PRESERVE AT CROSS CREEK 7TH ADDITION, THE, BLOCK 1, LOT 9
Legal Subdivision	PRESERVE AT CROSS CREEK 7TH ADDITION
Legal Block	1
Legal Lot Number	9
Jurisdiction	LANCASTER NE
Township / Civil Division	SALTILLO
Census Block Group	2
Census Block	2023
Census Tract	10401

Owner

Source: Lancaster County records · APN 15-16-418-009-000

Assessment roll updated December 31, 2025 · Last verified March 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 File
Mailing Address	5301 QUARRY LEDGE RD, ROCA, NE 68430-4280
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 01, 2022	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage WEST GATE BANK
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage WEST GATE BANK
Feb 05, 2021	Warranty Deed, Transfer · Commercial Mortgage COGENT BANK
Nov 13, 2019	Trustee's Deed, Construction Loan · Line of Credit WEST GATE BK
Sep 05, 2019	Warranty Deed, Transfer · Line of Credit WEST GATE BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 26, 2019 · Amount on Record
Deed Sale	Aug 26, 2019 · Amount on Record
Deed Document Number	2019034173
Prior Transfer Date	Dec 19, 2016
Prior Transfer Doc	2016053259
Record Updated	Jun 08, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Property Address	6181 ELDERBERRY LN, ROCA, NE 68430-4357
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6181 ELDERBERRY LN, ROCA, NE 68430-4357

Mortgage

Document Number	0000028406
Date	Jul 01, 2022
Instrument	2022028406

Lender

Name	COGENT BANK
Type	Bank
Address	OMAHA, NE 68136

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Property Address	6181 ELDERBERRY LN, ROCA, NE 68430-4357
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006413
Date	Jan 29, 2021
Instrument	2021006413

Lender

Name	COGENT BANK
Type	Bank
Address	OMAHA, NE 68136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Property Address	6181 ELDERBERRY LN, ROCA, NE 68430-4357
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	CHARTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033561
Date	Jul 20, 2020
Instrument	2020033561

Lender

Name	WEST GATE BANK
Type	Bank
Address	LINCOLN, NE 68516

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Aug 01, 2027

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Property Address	6181 ELDERBERRY LN, ROCA, NE 68430-4357
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	CHARTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033560
Date	Jul 20, 2020
Instrument	2020033560

Lender

Name	WEST GATE BANK
Type	Bank
Address	LINCOLN, NE 68516

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER NE
Recording Date	Feb 05, 2021
Property Address	6181 ELDERBERRY LN, ROCA, NE 68430-4357
Document Number	0000008801
Instrument Date	Feb 02, 2021
Instrument	2021008801
Transaction Type	Transfer
Record Updated	Nov 24, 2023
Title Company	UNION CMRC TITLE COMPANY LLC, UNION TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$177.75
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
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008861
Date	Feb 05, 2021
Instrument	2021008861

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LANCASTER NE
Recording Date	Nov 13, 2019
Property Address	6181 ELDERBERRY LN, ROCA, NE 68430-4357
Instrument Date	Nov 12, 2019
Instrument	45758
Transaction Type	Construction Loan
Record Updated	Nov 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5301 QUARRY LEDGE RD ROCA NE 684304280, ROCA, NE 68430-4280

Mortgage

Document Number	0000045758
Date	Nov 13, 2019
Instrument	45758

Lender

Name	WEST GATE BK
Type	Bank
Address	LINCOLN, NE 68516

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER NE
Recording Date	Sep 05, 2019
Property Address	6181 ELDERBERRY LN, ROCA, NE 68430-4357
Document Number	0000034173
Instrument Date	Aug 26, 2019
Instrument	34173
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	HOMESERVICES TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
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
Address	5301 QUARRY LEDGE RD ROCA NE 684304280, ROCA, NE 68430-4280

Mortgage

Document Number	34174
Date	Sep 05, 2019
Instrument	34174

Lender

Name	WEST GATE BK
Type	Bank
Address	LINCOLN, NE 68516

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated December 31, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Lancaster County
Unified School District	Norris School District 160 (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,664.00 (+5.53%)	$928,500 (+7.23%) Land $154,500 Building $774,000	$928,500 (+7.23%) Land $154,500 Building $774,000
2023	$11,053.00	$865,900 Land $154,500 Building $711,400	$865,900 Land $154,500 Building $711,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lancaster County (31109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 311090104012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Moderate above 47% of the US · lower than 63% of Nebraska
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 43 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
AMG Technology Investment Group Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Big Red Communications Fixed Wireless	200 / 100
Uniti Group DSL · Fiber, Fixed Wireless in parts of the area	200 / 20
JAB Wireless Fixed Wireless	50 / 10

May also be available: AT&T, DTC Holding Company, LTD Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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