654 Lakeside Cir, Ashland, NE 68003 Property Records

Saunders County property record for 654 Lakeside Cir, Ashland, NE 68003

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,216 sqft · built 1961
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Jul 2020)
Tax Bill	$3,192 (2025)
Deeds & Mortgages	Jul 2018 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2977-18-1-20575-000-3501`

Property Details

APN / Parcel Number

Primary APN	`2977-18-1-20575-000-3501`
Alternative APN	`003453501`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,216 sqft Living Area
1st Floor Area	1,418 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	654 LAKESIDE CIR
City	ASHLAND
State	NE
Zip	68003-7405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	LOT 22 THOMAS LAKES (REPLAT LOTS 20-22); MAP NUMBER: 2977-18-1-20575-000-3501
Legal Range	10
Legal Township	13
Legal Section	18
Legal Subdivision	ASHLAND-THOMAS LAKES
Legal Lot Number	22
Jurisdiction	SAUNDERS NE
Township / Civil Division	CLEAR CREEK
Census Block Group	2
Census Block	2214
Census Tract	968400

Owner

Source: Saunders County records, as of June 2, 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	654 LAKESIDE CIR, ASHLAND, NE 68003-7405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage CHARTER WEST BANK
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORE BANK
Jul 22, 2020	Warranty Deed, Transfer · Balloon Mortgage FARMERS & MERCHANTS BANK
Feb 9, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2020 · Amount on Record
Deed Sale	Jul 22, 2020 · Amount on Record
Deed Document Number	20207449
Deed Book / Page	539 / 1054
Prior Transfer Date	Feb 5, 2018
Prior Transfer Doc	0005000656
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Property Address	654 LAKESIDE CIR, ASHLAND, NE 68003-7405
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005070235
Date	Jul 30, 2018
Book Page	507/235
Instrument	2018-07-436

Lender

Name	CHARTER WEST BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUNDERS NE
Property Address	654 LAKESIDE CIR, ASHLAND, NE 68003-7405
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005331170
Date	May 5, 2020
Book Page	533/1170
Instrument	2020-05-040

Lender

Name	CORE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAUNDERS NE
Recording Date	Jul 22, 2020
Property Address	654 LAKESIDE CIR, ASHLAND, NE 68003-7405
Document Number	0005391054
Book / Page	539 / 1054
Instrument Date	Jul 22, 2020
Instrument	2020-07-449
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$832.50
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	0005391055
Date	Jul 22, 2020
Book Page	539/1055
Instrument	2020-07-450

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 1, 2021

Interest

Rate Type	Fixed Rate

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUNDERS NE
Recording Date	Feb 9, 2018
Property Address	654 LAKESIDE CIR, ASHLAND, NE 68003-7405
Document Number	0005000656
Book / Page	000500 / 000656
Instrument Date	Feb 5, 2018
Instrument	180
Transaction Type	Transfer
Record Updated	May 16, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Tax Assessment & Valuation

Source: Saunders County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Saunders County
County Subdivision	Clear Creek Township
Unified School District	Ashland-Greenwood Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,192.00 (-20.26%)	$338,057 (+0.92%) Land $95,000 Building $243,057	$338,057 (+0.92%) Land $95,000 Building $243,057
2023	$4,003.00	$334,983 Land $95,000 Building $239,983	$334,983 Land $95,000 Building $239,983

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 January 3, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 136 policies
Nearby Flood Policies	136 in force
Nearby Flood Claims	119 (1978–2024)
Claims Outside the SFHA	45 of 119
Most Recent Claim	Jul 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 27 claims Ice Jams & Flooding, Mar 1993 · 23 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 62% of the US · lower than 72% of Nebraska
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	LAKE ALLURE SUBDIVISION - ASHLAND private · serves 179 people · EPA ID NE3121353
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 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	2 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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: Allo Communications, Nextlink, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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