838 N Chestnut St, Red Cloud, NE 68970 Property Records

Webster County property record for 838 N Chestnut St, Red Cloud, NE 68970

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,196 sqft · built 1984
Lot Size	0.244 acres (10,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (May 2026)
Tax Bill	$1,087 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000142000`

Property Details

APN / Parcel Number

Primary APN	`000142000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	288 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	220 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	838 N CHESTNUT ST
City	RED CLOUD
State	NE
Zip	68970-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	LOT 10 & NORTH 25' LOT 11 BLOCK 9 LEDUC'S ADDITION RED CLOUD
Legal Range	11
Legal Township	02
Legal Section	00
Legal Subdivision	LEDUC'S ADD
Legal Block	9
Legal Lot Number	10,11
Jurisdiction	WEBSTER NE
Township / Civil Division	2
Census Block Group	2
Census Block	2039
Census Tract	965100

Owner

Source: Webster County records, as of October 20, 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	838 N CHESTNUT ST, RED CLOUD, NE 68970-2022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 17, 2026	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
May 4, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK AND TRUST COMPANY
Jun 26, 2013	Warranty Deed, Transfer · Conventional Mortgage CHARTERWEST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	Jun 26, 2013 · Amount on Record
Deed Book / Page	2026 / 1068
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER NE
Property Address	838 N CHESTNUT ST, RED CLOUD, NE 68970-2022
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1672
Date	Jun 22, 2021
Book Page	2021/1672

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER NE
Property Address	838 N CHESTNUT ST, RED CLOUD, NE 68970-2022
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 N CHESTNUT ST, RED CLOUD, NE 68970-2022

Mortgage

Document Number	002026/694
Date	Mar 17, 2026
Book Page	2026/694

Lender

Name	PINNACLE BANK
Type	Bank
Address	KEARNEY, NE 68847

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER NE
Recording Date	May 4, 2026
Property Address	838 N CHESTNUT ST, RED CLOUD, NE 68970-2022
Document Number	2026001068
Book / Page	2026 / 1068
Instrument Date	May 4, 2026
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	SOUTHERN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,006.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2026001070,
Date	May 4, 2026
Book Page	2026/1070

Lender

Name	FIRST BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

June 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER NE
Recording Date	Jun 26, 2013
Property Address	838 N CHESTNUT ST, RED CLOUD, NE 68970-2022
Document Number	02013/1738
Book / Page	2013 / 1738
Instrument Date	Jun 25, 2013
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.50
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	0020131739
Date	Jun 26, 2013
Instrument	2013/1739

Lender

Name	CHARTERWEST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2043

Tax Assessment & Valuation

Source: Webster County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Nebraska
County	Webster County
Municipality	Red Cloud City
Unified School District	Red Cloud Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$115,700 (+21.04%) Land $1,970 Building $113,730	$115,700 (+21.04%) Land $1,970 Building $113,730
2025	$1,087.00 (-20.25%)	$95,590 (+4.74%) Land $1,970 Building $93,620	$95,590 (+4.74%) Land $1,970 Building $93,620
2023	$1,363.00	$91,265 Land $1,640 Building $89,625	$91,265 Land $1,640 Building $89,625

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 May 16, 2008 · 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	2 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017 · other causes

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 80% of the US · lower than 82% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF RED CLOUD serves 991 people · EPA ID NE3118301
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	3 ppb (2024–2026) 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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Great Plains Communications Fiber	2,000 / 2,000
Vyve Broadband Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

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

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