712 W Cedar St, Sutton, NE 68979 Property Records

Clay County property record for 712 W Cedar St, Sutton, NE 68979

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,316 sqft · built 1898
Lot Size	0.215 acres (9,375 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Oct 2019)
Tax Bill	$1,189 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3757-00-0-77050-015-8616`

Property Details

APN / Parcel Number

Primary APN	`3757-00-0-77050-015-8616`
Alternative APN	`000861600`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	712 W CEDAR ST
City	SUTTON
State	NE
Zip	68979-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	W1/2 LOT 5 & LOT 6 BLK 15 CLARKS 2ND ADD SUTTON CITY
Legal Subdivision	CLARKS 2ND ADD
Legal Block	15
Legal Lot Number	5,6
Jurisdiction	CLAY NE
Township / Civil Division	SUTTON
Census Block Group	3
Census Block	3040
Census Tract	962100

Owner

Source: Clay County records, as of August 18, 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	PO BOX 721, SUTTON, NE 68979-0721
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2022	Deed of Trust, Mortgage · USDA Mortgage NATIONSTAR MORTGAGE LLC
Oct 10, 2019	Warranty Deed, Transfer · Conventional Mortgage CASTLE & COOKE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2019 · Amount on Record
Deed Sale	Oct 10, 2019 · Amount on Record
Deed Document Number	20191029
Deed Book / Page	132 / 421
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NE
Property Address	712 W CEDAR ST, SUTTON, NE 68979-2412
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 W CEDAR ST, SUTTON, NE 68979-2412

Mortgage

Document Number	000268/180
Date	Mar 18, 2022
Book Page	268/180
Instrument	2022-00303

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Nov 1, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NE
Recording Date	Oct 10, 2019
Property Address	712 W CEDAR ST, SUTTON, NE 68979-2412
Document Number	000132/421
Book / Page	132 / 421
Instrument Date	Sep 23, 2019
Instrument	2019-01029
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	ADAMS LAND TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
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	000257/134
Date	Oct 10, 2019
Book Page	257/134
Instrument	2019-01030

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of March 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$91,880 (+12.23%) Land $9,375 Building $82,505	$91,880 (+12.23%) Land $9,375 Building $82,505
2025	$1,189.00 (-10.67%)	$81,870 (+14.95%) Land $4,690 Building $77,180	$81,870 (+14.95%) Land $4,690 Building $77,180
2023	$1,331.00	$71,225 Land $4,690 Building $66,535	$71,225 Land $4,690 Building $66,535

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 July 4, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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 96% of the US · lower than 91% of Nebraska
Wildfire Likelihood	0.01% 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	CITY OF SUTTON serves 1,447 people · EPA ID NE3103507
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	3 ppb (2023–2025) action level 15 ppb
Copper	1.63 mg/L (2019) action level 1.3 mg/L

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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Glenwood Telecommunications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Zito Media Cable	100 / 25

May also be available: Nextlink.

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