809 S Main St, Madison, NE 68748 Property Records

Madison County property record for 809 S Main St, Madison, NE 68748

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,408 sqft · built 1916
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$109,000 (Oct 2021)
Tax Bill	$1,472 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`590011197`

Property Details

APN / Parcel Number

Primary APN	`590011197`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,408 sqft Living Area
1st Floor Area	1,408 sqft
Basement Area	1,168 sqft
Unfinished Basement	1,168 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Detached
Garage Area	576 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	45 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	809 S MAIN ST
City	MADISON
State	NE
Zip	68748-6316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE FAM
Legal Description	PARK ADDITION W 60 FT N 12 FT & S 54 FT LOT 5, E 39 FT LOT 6 & W 13 FT E 39 FT LOT 7, BLK 1; MAP NUMBER: 1835-00-0-10290-001-
Legal Range	01
Legal Township	21
Legal Section	00
Legal Subdivision	PARK ADD
Legal Block	1
Legal Lot Number	5-7
Jurisdiction	MADISON NE
Township / Civil Division	MADISON
Census Block Group	5
Census Block	5019
Census Tract	961300

Owner

809 S Main St is owned and occupied by an individual who bought it in October 2021.

Source: Madison County records, as of May 29, 2026

Owner of Record	Individual Name on File
Mailing Address	809 S MAIN ST, MADISON, NE 68748-6316
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 8, 2021	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
May 21, 2018	Warranty Deed, Transfer AMANDA CUSTER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2021 · Amount on File
Deed Sale	Oct 8, 2021 · Amount on File
Prior Sale	May 21, 2018 · Amount on File
Deed Book / Page	2021 / 5401
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NE
Recording Date	Oct 8, 2021
Property Address	809 S MAIN ST, MADISON, NE 68748-6316
Document Number	2021/5401
Book / Page	2021 / 5401
Instrument Date	Sep 24, 2021
Transaction Type	Transfer
Record Updated	Nov 10, 2021
Title Company	STEWART TITLE, STEWART TITLE NORFOLK

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.25
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	20215402
Date	Oct 8, 2021
Instrument	2021/5402

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NE
Recording Date	May 21, 2018
Property Address	809 S MAIN ST, MADISON, NE 68748-6316
Document Number	02018/2058
Book / Page	2018 / 2058
Instrument Date	May 16, 2018
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.75
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 with Right of Survivorship

Mortgage

Document Number	0020182059
Date	May 21, 2018
Instrument	2018/2059

Lender

Name	AMANDA CUSTER
Type	Private Party

Agreement

Amount	Amount on Record

Interest

Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 809 S Main St was $1,472.

Source: Madison County assessment roll, as of May 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,472.00	$135,337 Land $11,280 Building $124,057	$135,337 Land $11,280 Building $124,057
2023	$1,895.00	$105,004 Land $8,460 Building $96,544	$105,004 Land $8,460 Building $96,544

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

Flood

FEMA maps place 809 S Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective January 2, 2019 · 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 Policies	3 in force
Nearby Flood Claims	2 (1999)
Most Recent Claim	Jun 1999 · rainfall accumulation

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

Wildfire risk around 809 S Main St is low, with less than a 0.01% annual chance of 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 MADISON serves 2,135 people · EPA ID NE3111916
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	1 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	1 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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Stealth Broadband Fixed Wireless · Fiber in parts of the area	200 / 20

May also be available: Nextlink.

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