Clay County property record for 902 N Gray Ave, Sutton, NE 68979 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,406 sqft · built 2022 |
| Lot Size | 0.694 acres (30,210 sqft) |
| Owner | Individual Name on File |
| Last Sale | $25,000 (May 2021) |
| Tax Bill | $8,658 (2025) |
| Deeds & Mortgages | Apr 2022 Construction Loan Feb 2023 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 000853000 |
| Primary APN | 000853000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,406 sqft Living Area |
| 1st Floor Area | 2,406 sqft |
| Basement Area | 2,406 sqft |
| Unfinished Basement | 2,406 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 30,210 sqft (0.694 acres) |
| Garage Type | Attached |
| Garage Area | 1,040 sqft |
| Driveway | Driveway |
| Driveway Area | 1,634 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 902 N GRAY AVE |
|---|---|
| City | SUTTON |
| State | NE |
| Zip | 68979-2518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 3, 4 & 5, BLK 2 HORSESHOE BEND SUBDIVISION PHASE 1 SUTTON CITY |
| Legal Subdivision | HORSESHOE BEND SUBDIVISION |
| Legal Block | 2 |
| Legal Lot Number | 3,4,5 |
| Jurisdiction | CLAY NE |
| Township / Civil Division | SUTTON |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 962100 |
Source: Clay County records · APN 000853000
Assessment roll updated March 12, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | PO BOX 31, SUTTON, NE 68979-0031 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 01, 2022 | Deed of Trust, Mortgage · Construction Mortgage HEARTLAND BANK |
| Feb 08, 2023 | Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK |
| May 19, 2021 | Warranty Deed, Transfer · Commercial Mortgage HEARTLAND BANK |
| Oct 29, 2020 | Warranty Deed, Transfer NOT AVAILABLE, ADAMS LAND TITLE COMPANY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 19, 2021 · Amount on Record |
| Deed Sale | May 19, 2021 · Amount on Record |
| Prior Sale | Oct 29, 2020 · Amount on Record |
| Deed Document Number | 2021691 |
| Deed Book / Page | 134 / 180 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NE |
| Property Address | 902 N GRAY AVE, SUTTON, NE 68979-2518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 616 S MALTBY AVE, SUTTON, NE 68979-2118 |
| Document Number | 0000269/24 |
|---|---|
| Date | Apr 01, 2022 |
| Book Page | 269/24 |
| Instrument | 2022-00359 |
| Name | HEARTLAND BANK |
|---|---|
| Type | Bank |
| Address | HASTINGS, NE 68901 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NE |
| Property Address | 902 N GRAY AVE, SUTTON, NE 68979-2518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 902 N GRAY AVE, SUTTON, NE 68979-2518 |
| Document Number | 0000272/53 |
|---|---|
| Date | Feb 08, 2023 |
| Book Page | 272/53 |
| Instrument | 2023-00142 |
| Name | HEARTLAND BANK |
|---|---|
| Type | Bank |
| Address | HASTINGS, NE 68901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NE |
| Recording Date | May 19, 2021 |
| Property Address | 902 N GRAY AVE, SUTTON, NE 68979-2518 |
| Document Number | 000134/180 |
| Book / Page | 134 / 180 |
| Instrument Date | May 17, 2021 |
| Instrument | 2021-00691 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | NOT AVAILABLE, ADAMS LAND TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $56.25 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0202100692 |
|---|---|
| Date | May 19, 2021 |
| Instrument | 2021-00692 |
| Name | HEARTLAND BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NE |
| Recording Date | Oct 29, 2020 |
| Property Address | 902 N GRAY AVE, SUTTON, NE 68979-2518 |
| Document Number | 000133/365 |
| Book / Page | 133 / 365 |
| Instrument Date | Oct 22, 2020 |
| Instrument | 2020-01146 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | NOT AVAILABLE, ADAMS LAND TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $33.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
Source: Clay County records · Assessment roll updated March 12, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Nebraska |
| County | Clay County |
| Municipality | Sutton City |
| Unified School District | Sutton Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $660,545 (+10.64%) Land $30,105 Building $630,440 | $660,545 (+10.64%) Land $30,105 Building $630,440 | |
| 2025 | $8,658.00 (-1%) | $597,015 (+15.77%) Land $7,250 Building $589,765 | $597,015 (+15.77%) Land $7,250 Building $589,765 |
| 2023 | $9,620.00 | $515,670 Land $7,250 Building $508,420 | $515,670 Land $7,250 Building $508,420 |
Source: FEMA National Flood Hazard Layer, Clay County (31035C), updated July 4, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | Low above 6% of the US · above 11% of Nebraska |
|---|---|
| Wildfire Likelihood | About 1 in 6,250 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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