649 S 259th St, Waterloo, NE 68069 Property Records

Douglas County property record for 649 S 259th St, Waterloo, NE 68069

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,857 sqft · built 2018
Lot Size	3.01 acres (131,116 sqft)
Owner	2 Individual Names on Record
Last Sale	$30,000 (Jun 2015)
Tax Bill	$4,703 (2024)
Deeds & Mortgages	Mar 2025 Line of Credit Mar 2021 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`R2332980100`

Property Details

APN / Parcel Number

Primary APN	`R2332980100`
Alternative APNs	`3298 0100 23` `2332980100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,857 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	131,116 sqft (3.01 acres)
Garage Type	Attached
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	422 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R2332980100
Street Address	649 S 259TH ST
City	WATERLOO
State	NE
Zip	68069-4617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWO RIVERS FARMSTEAD REPLAT 4 LOT 1 BLOCK 0 LT 1 3.01 AC
Legal Subdivision	TWO RIVERS FARMSTEAD REPLAT 4
Legal Lot Number	1
Jurisdiction	DOUGLAS NE
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2077
Census Tract	7508

Owner

Source: Douglas County records, as of March 16, 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 Record
Mailing Address	649 S 259TH ST, WATERLOO, NE 68069-4617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2025	Deed of Trust, Mortgage · Line of Credit ACCESS BANK
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACCESS BANK
Aug 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage ACCESS BANK
Dec 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage ACCESS BANK
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACCESS BANK
Jan 8, 2018	Trustee's Deed, Construction Loan · Construction Mortgage ACCESS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2015 · Amount on Record
Deed Sale	Jun 1, 2015 · Amount on Record
Deed Document Number	2015042408
Record Updated	Jun 8, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	649 S 259TH ST, WATERLOO, NE 68069-4617
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 S 259TH ST, WATERLOO, NE 68069-4617

Mortgage

Document Number	0000019196
Date	Mar 21, 2025
Instrument	2025019196

Lender

Name	ACCESS BANK
Type	Bank
Address	OMAHA, NE 68114

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	649 S 259TH ST, WATERLOO, NE 68069-4617
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029812
Date	Mar 5, 2021
Instrument	2021029812

Lender

Name	ACCESS BANK
Type	Bank
Address	OMAHA, NE 68144

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	649 S 259TH ST, WATERLOO, NE 68069-4617
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018064611
Date	Aug 15, 2018
Instrument	2018064611

Lender

Name	ACCESS BANK
Type	Bank
Address	OMAHA, NE 68144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	649 S 259TH ST, WATERLOO, NE 68069-4617
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019108064
Date	Dec 9, 2019
Instrument	2019108064

Lender

Name	ACCESS BANK
Type	Bank
Address	OMAHA, NE 68144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NE
Property Address	649 S 259TH ST, WATERLOO, NE 68069-4617
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021029812
Date	Mar 5, 2021
Instrument	2021029812

Lender

Name	ACCESS BANK
Type	Bank
Address	OMAHA, NE 68144

Agreement

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

January 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	DOUGLAS NE
Recording Date	Jan 8, 2018
Property Address	649 S 259TH ST, WATERLOO, NE 68069-4617
Instrument Date	Jan 8, 2018
Instrument	1620
Transaction Type	Construction Loan
Record Updated	Mar 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	649 S 259TH ST WATERLOO NE 680694617, WATERLOO, NE 68069-4617

Mortgage

Document Number	0000001620
Date	Jan 8, 2018
Instrument	1620

Lender

Name	ACCESS BK
Type	Bank
Address	OMAHA, NE 68114

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Nebraska
County	Douglas County
Unified School District	Douglas County West Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$520,600 (+2.46%) Land $79,800 Building $440,800	$520,600 (+2.46%) Land $79,800 Building $440,800
2024	$4,703.00 (-24.22%)
2023	$6,206.00 (-3.21%)	$508,100 Land $79,800 Building $428,300	$508,100 Land $79,800 Building $428,300
2022	$6,412.00

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 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 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 88% of Nebraska
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	80 / 40
Rise Broadband Fixed Wireless	50 / 10

May also be available: T-Mobile, Viaero Wireless.

Nearby Properties on S 259th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures