Douglas County property record for 643 S 243rd St, Waterloo, NE 68069
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,780 sqft · built 2020 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,777 (Feb 2025) |
| Tax Bill | $9,774 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2023 Sale & Mortgage + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 2450-0670-25 |
| Primary APN | 2450-0670-25 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,780 sqft Living Area |
| Gross Area | 5,102 sqft |
| 1st Floor Area | 2,059 sqft |
| Basement Area | 2,059 sqft |
| Finished Basement | 1,721 sqft |
| Unfinished Basement | 338 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Type | Attached |
| Garage Area | 695 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Slab |
|---|---|
| Porch Area | 469 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R2524500670 |
|---|---|
| Street Address | 643 S 243RD ST |
| City | WATERLOO |
| State | NE |
| Zip | 68069-4850 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WEST SHORES LOT 281 BLOCK 0 IRREG |
| Legal Subdivision | WEST SHORES |
| Legal Lot Number | 281 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 7508 |
Source: Douglas County records, as of April 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 643 S 243RD ST, WATERLOO, NE 68069-4850 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 27, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST WESTROADS BANK INC |
| Apr 4, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST WESTROADS BANK INC |
| Feb 23, 2023 | Intrafamily Transfer, Transfer |
| Sep 29, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 27, 2019 | Trustee's Deed, Construction Loan · Construction Mortgage ACCESS BK |
| Mar 25, 2019 | Warranty Deed, Transfer NEBRASKA TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2025 · Amount on Record |
| Deed Sale | Feb 10, 2025 · Amount on Record |
| Prior Sale | Apr 4, 2023 · Amount on Record |
| Deed Document Number | 20259214 |
| Prior Transfer Date | Jan 28, 2025 |
| Prior Transfer Doc | 0000009212 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 643 S 243RD ST, WATERLOO, NE 68069-4850 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2025 |
| Name | Verified Name |
|---|---|
| Address | 643 S 243RD ST, WATERLOO, NE 68069-4850 |
| Document Number | 0000087142 |
|---|---|
| Date | Oct 27, 2025 |
| Instrument | 2025087142 |
| Name | FIRST WESTROADS BANK INC |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Apr 4, 2023 |
| Property Address | 643 S 243RD ST, WATERLOO, NE 68069-4850 |
| Document Number | 0000021740 |
| Instrument Date | Apr 3, 2023 |
| Instrument | 2023021740 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2023 |
| Title Company | OMAHA NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,800.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12100 W CENTER RD STE 501, 501, OMAHA, NE 68144-3960 |
| Document Number | 0000021741 |
|---|---|
| Date | Apr 4, 2023 |
| Instrument | 2023021741 |
| Name | FIRST WESTROADS BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Feb 23, 2023 |
| Property Address | 643 S 243RD ST, WATERLOO, NE 68069-4850 |
| Document Number | 0000011423 |
| Instrument Date | Feb 17, 2023 |
| Instrument | 2023011423 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Sep 29, 2020 |
| Property Address | 643 S 243RD ST, WATERLOO, NE 68069-4850 |
| Document Number | 0000109145 |
| Instrument Date | Sep 15, 2020 |
| Instrument | 2020109145 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,552.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 643 S 243RD ST, WATERLOO, NE 68069-4850 |
| Document Number | 0000109146 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 2020109146 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 1, 2030 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Jun 27, 2019 |
| Property Address | 643 S 243RD ST, WATERLOO, NE 68069-4850 |
| Instrument Date | Jun 25, 2019 |
| Instrument | 47616 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 30, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8712 W DODGE RD OMAHA NE 681143459, OMAHA, NE 68114-3459 |
| Document Number | 0000047616 |
|---|---|
| Date | Jun 27, 2019 |
| Instrument | 47616 |
| Name | ACCESS BK |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68114 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Mar 25, 2019 |
| Property Address | 643 S 243RD ST, WATERLOO, NE 68069-4850 |
| Document Number | 0000019384 |
| Instrument Date | Mar 20, 2019 |
| Instrument | 19384 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2019 |
| Title Company | NEBRASKA TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $198.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 643 S 243RD ST WATERLOO NE 68069, WATERLOO, NE 68069 |
Source: Douglas County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Unified School District | Douglas County West Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $800,000 (+13.2%) Land $82,300 Building $717,700 | $800,000 (+13.2%) Land $82,300 Building $717,700 | |
| 2024 | $9,774.00 (-14.26%) | ||
| 2023 | $11,400.00 (-10.09%) | $706,700 Land $82,300 Building $624,400 | $706,700 Land $82,300 Building $624,400 |
| 2022 | $12,680.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 75 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 75 in force |
| Nearby Flood Claims | 62 (1978–2019) |
| Claims Outside the SFHA | 5 of 62 |
| Most Recent Claim | Mar 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 90% of Nebraska |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 87 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 / 200 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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