645 S 28th St, Lincoln, NE 68510 Property Records

Lancaster County property record for 645 S 28th St, Lincoln, NE 68510

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 956 sqft · built 1910
Lot Size	0.163 acres (7,098 sqft)
Owner	Individual Name on File
Last Sale	$259,000 (May 2026)
Tax Bill	$3,642 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-30-114-018-000`

Property Details

APN / Parcel Number

Primary APN	`17-30-114-018-000`
Alternative APN	`100702`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	956 sqft Living Area
Gross Area	1,664 sqft
1st Floor Area	956 sqft
Basement Area	540 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Bungalow
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,098 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	306 sqft
Carport	Carport
Carport Area	306 sqft
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	645 S 28TH ST
City	LINCOLN
State	NE
Zip	68510-3110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	ELM PARK, BLOCK 4, LOT 7
Legal Subdivision	ELM PARK
Legal Block	4
Legal Lot Number	7
Jurisdiction	LANCASTER NE
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3017
Census Tract	1600

Owner

645 S 28th St is owned and occupied by an individual who bought it in May 2026.

Source: Lancaster County records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	645 S 28TH ST, LINCOLN, NE 68510-3110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION BANK & TRUST CO
May 5, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION BANK & TRUST CO
Jan 5, 2022	Warranty Deed, Transfer · Line of Credit US BANK TRUST CO NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2026 · Amount on File
Deed Sale	May 5, 2026 · Amount on File
Deed Document Number	202616488
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER NE
Recording Date	May 5, 2026
Property Address	645 S 28TH ST, LINCOLN, NE 68510-3110
Document Number	0000016489
Instrument Date	May 1, 2026
Instrument	202616489
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016489,
Date	May 5, 2026
Instrument	202616489

Lender

Name	UNION BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER NE
Recording Date	May 5, 2026
Property Address	645 S 28TH ST, LINCOLN, NE 68510-3110
Document Number	0000016488
Instrument Date	Apr 27, 2026
Instrument	2026.16488
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	AKSARBEN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60,688.88
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	645 S 28TH ST, LINCOLN, NE 68510-3110

Mortgage

Document Number	0000016488,
Date	May 5, 2026
Instrument	2026.16488

Lender

Name	UNION BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER NE
Recording Date	Jan 5, 2022
Property Address	645 S 28TH ST, LINCOLN, NE 68510-3110
Document Number	0000000626
Instrument Date	Dec 21, 2021
Instrument	2022000626
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	402 TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.75
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

Mortgage

Document Number	0000000645
Date	Jan 5, 2022
Instrument	2022000645

Lender

Name	US BANK TRUST CO NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 645 S 28th St was $3,642, up 263.8% from the year before.

Source: Lancaster County assessment roll, as of October 13, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,642.00 (+263.84%)	$206,200 Land $46,000 Building $160,200	$206,200 Land $46,000 Building $160,200
2024	$1,001.00 (-55.98%)
2023	$2,274.00	$135,700 Land $40,000 Building $95,700	$135,700 Land $40,000 Building $95,700

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

Flood

FEMA maps place 645 S 28th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · 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 Claims	1 (1978)
Most Recent Claim	Mar 1978 · tidal / storm surge

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

The area around 645 S 28th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 LINCOLN serves 296,000 people · EPA ID NE3110926
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	5 ppb (2023–2025) action level 15 ppb

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Allo Communications Fiber	2,300 / 2,300
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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