Douglas County property record for 815 S 243rd St, Waterloo, NE 68069
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,200,000 (Mar 2026) |
| Tax Bill | $646 (2025) |
| Deeds & Mortgages | Oct 2025 Construction Loan Mar 2026 Line of Credit + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 2450-0682-25 |
| Primary APN | 2450-0682-25 |
|---|---|
| Alternative APNs |
|
| Lot Area | 17,424 sqft (0.4 acres) |
|---|
| Account Number | R2524500682 |
|---|---|
| Street Address | 815 S 243RD ST |
| City | WATERLOO |
| State | NE |
| Zip | 68069-4851 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WEST SHORES LOT 287 BLOCK 0 IRREG |
| Legal Subdivision | WEST SHORES |
| Legal Lot Number | 287 |
| Jurisdiction | DOUGLAS NE |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 7508 |
815 S 243rd St is owner-occupied and held in a trust since March 2026.
Source: Douglas County records, as of June 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 815 S 243RD ST, WATERLOO, NE 68069-4851 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 6, 2025 | Deed of Trust, Mortgage · Construction Mortgage SECURITY NATIONAL BANK OF OMAHA |
| Mar 3, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST WESTROADS BANK INC |
| Mar 3, 2026 | Warranty Deed, Transfer MIDWEST AREA TITLE INC, MIDWEST TITLE INC |
| Oct 24, 2024 | Warranty Deed, Transfer MIDWEST AREA TITLE INC, MIDWEST TITLE INC |
| Dec 3, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK & TRUST CO |
| Oct 27, 2020 | Warranty Deed, Transfer NEBRASKA TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2026 · Amount on File |
| Deed Sale | Mar 3, 2026 · Amount on File |
| Prior Sale | Oct 24, 2024 · Amount on File |
| Deed Document Number | 202616173 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 815 S 243RD ST, WATERLOO, NE 68069-4851 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1223 RANCH VIEW LN, ELKHORN, NE 68022-2239 |
| Document Number | 0000080375 |
|---|---|
| Date | Oct 6, 2025 |
| Instrument | 2025080375 |
| Name | SECURITY NATIONAL BANK OF OMAHA |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68131 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 815 S 243RD ST, WATERLOO, NE 68069-4851 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000016174 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 2026016174 |
| Name | FIRST WESTROADS BANK INC |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68118 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Mar 3, 2026 |
| Property Address | 815 S 243RD ST, WATERLOO, NE 68069-4851 |
| Document Number | 0000016173 |
| Instrument Date | Feb 25, 2026 |
| Instrument | 2026016173 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | MIDWEST AREA TITLE INC, MIDWEST TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,784.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Oct 24, 2024 |
| Property Address | 815 S 243RD ST, WATERLOO, NE 68069-4851 |
| Document Number | 0000076048 |
| Instrument Date | Oct 21, 2024 |
| Instrument | 2024076048 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | MIDWEST AREA TITLE INC, MIDWEST TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $537.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Property Address | 815 S 243RD ST, WATERLOO, NE 68069-4851 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000142833 |
|---|---|
| Date | Dec 3, 2020 |
| Instrument | 2020142833 |
| Name | FIRST STATE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | FREMONT, NE 68025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS NE |
| Recording Date | Oct 27, 2020 |
| Property Address | 815 S 243RD ST, WATERLOO, NE 68069-4851 |
| Document Number | 0000123717 |
| Instrument Date | Oct 20, 2020 |
| Instrument | 123717 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2021 |
| Title Company | NEBRASKA TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $221.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 815 S 243RD ST WATERLOO NE 68069, WATERLOO, NE 68069 |
The 2025 property tax bill for 815 S 243rd St was $646, up 2.2% from the year before.
Source: Douglas County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Nebraska |
| County | Douglas County |
| Unified School District | Douglas County West Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $646.00 (+2.22%) | $52,800 Land $52,800 | $52,800 Land $52,800 |
| 2024 | $632.00 (-25.73%) | ||
| 2023 | $851.00 (-10.14%) | $52,800 Land $52,800 | $52,800 Land $52,800 |
| 2022 | $947.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 815 S 243rd St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File median of 75 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 75 in force |
| Nearby Flood Claims | 62 (1978–2019) |
| Claims Outside the SFHA | 5 of 62 |
| Most Recent Claim | Mar 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 815 S 243rd St is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 76% of Nebraska |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Nextlink Fixed Wireless | 500 / 200 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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