646 N 3rd St, Seward, NE 68434 Property Records

Seward County property record for 646 N 3rd St, Seward, NE 68434

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 956 sqft · built 1961
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (May 2021)
Tax Bill	$1,920 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Dec 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`800080246`

Property Details

APN / Parcel Number

Primary APN	`800080246`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	956 sqft Living Area
1st Floor Area	956 sqft
Basement Area	956 sqft
Finished Basement	670 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	73 ft deep x 64.9 ft wide
Garage Type	Attached
Garage Area	308 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	20 sqft
Patio Area	317 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	646 N 3RD ST
City	SEWARD
State	NE
Zip	68434-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MULTI-FAMI
Legal Description	SEWARD COX'S ADDITION BLK 1 W 73' LOT 1 & W 73' OF N 23.33' LOT 2
Legal Subdivision	COX ADDITION
Legal Block	1
Legal Lot Number	1-2
Jurisdiction	SEWARD NE
Township / Civil Division	SEWARD
Census Block Group	2
Census Block	2031
Census Tract	960300

Owner

Source: Seward County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3566 MCKELVIE RD, SEWARD, NE 68434-7506
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage LIBERTY FIRST CU
Dec 2, 2020	Warranty Deed, Transfer · Line of Credit JONES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2021 · Amount on Record
Deed Sale	May 25, 2021 · Amount on Record
Prior Sale	Dec 2, 2020 · Amount on Record
Deed Document Number	20211780
Record Updated	Sep 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEWARD NE
Recording Date	May 25, 2021
Property Address	646 N 3RD ST, SEWARD, NE 68434-1506
Document Number	202101780
Instrument Date	May 24, 2021
Instrument	202101780
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	TITLE SVCS OF BLUE VALLEY LL

Transaction

Amount	Amount Recorded
Tax	$393.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202101781
Date	May 25, 2021
Instrument	202101781

Lender

Name	LIBERTY FIRST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Mortgage

Document Number	0202101865
Date	Jun 1, 2021
Instrument	202101865

Lender

Name	LIBERTY FIRST CU
Type	Credit Union
Address	LINCOLN, NE 68503

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEWARD NE
Recording Date	Dec 2, 2020
Property Address	646 N 3RD ST, SEWARD, NE 68434-1506
Document Number	202003695
Instrument Date	Dec 1, 2020
Instrument	202003695
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	TITLE SERVICES/BLUE VALLEY, TITLE SVCS OF BLUE VALLEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$333.00
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	202003696
Date	Dec 2, 2020
Instrument	202003696

Lender

Name	JONES BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Seward County assessment roll, as of February 10, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,920.00 (-11.93%)	$178,581 (+19.08%) Land $15,419 Building $163,162	$178,581 (+19.08%) Land $15,419 Building $163,162
2023	$2,180.00	$149,964 Land $13,996 Building $135,968	$149,964 Land $13,996 Building $135,968

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 April 30, 2020 · 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	3 (1986–2023)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2023 · other causes

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 SEWARD serves 7,700 people · EPA ID NE3115905
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Allo Communications Fiber	2,300 / 2,300
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Great Plains Communications, Nextlink.

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