905 N Locust St, Red Cloud, NE 68970 Property Records

Webster County property record for 905 N Locust St, Red Cloud, NE 68970

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1900
Lot Size	0.326 acres (14,200 sqft)
Owner	Individual Name on File
Last Sale	$66,000 (May 2026)
Tax Bill	$484 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`000127900`

Property Details

APN / Parcel Number

Primary APN	`000127900`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	924 sqft Living Area
1st Floor Area	924 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,200 sqft (0.326 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	840 sqft
Driveway	Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Shed	1 Shed
Shed Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	905 N LOCUST ST
City	RED CLOUD
State	NE
Zip	68970-2139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01-SINGLE
Legal Description	LOTS 9-12 BLOCK 13 SMITH & MOORE'S ADDITION RED CLOUD
Legal Range	11
Legal Township	02
Legal Section	00
Legal Subdivision	SMITH & MOORE'S ADD
Legal Block	13
Legal Lot Number	9-12
Jurisdiction	WEBSTER NE
Township / Civil Division	5
Census Block Group	2
Census Block	2027
Census Tract	965100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elm St. Historic District listed 1982 · 20 contributing resources · NRIS 82004934

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

905 N Locust St is owned and occupied by an individual who bought it in May 2026.

Source: Webster County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	905 N LOCUST ST, RED CLOUD, NE 68970-2139
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
May 4, 2026	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND BANK
Nov 13, 2023	Joint Tenancy Deed, Transfer SOUTHERN GULF TITLE LLC, SOUTHERN TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on File
Deed Sale	May 4, 2026 · Amount on File
Prior Sale	Dec 8, 2023 · Amount on File
Deed Book / Page	2026 / 1043
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER NE
Recording Date	May 4, 2026
Property Address	905 N LOCUST ST, RED CLOUD, NE 68970-2139
Document Number	2026001043
Book / Page	2026 / 1043
Instrument Date	Apr 25, 2026
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	SOUTHERN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,465.12
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 N LOCUST ST, RED CLOUD, NE 68970-2139

Mortgage

Document Number	2026001045,
Date	May 4, 2026
Book Page	2026/1045

Lender

Name	HEARTLAND BANK

Agreement

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

Interest

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

November 2023: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	WEBSTER NE
Recording Date	Nov 13, 2023
Property Address	905 N LOCUST ST, RED CLOUD, NE 68970-2139
Document Number	02023/2089
Book / Page	2023 / 2089
Instrument Date	Nov 13, 2023
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	SOUTHERN GULF TITLE LLC, SOUTHERN TITLE LLC

Transaction

Amount	Amount on Record
Tax	$74.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Tax Assessment & Valuation

The 2025 property tax bill for 905 N Locust St was $484, up 6.4% from the year before.

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		$68,320 (+60.6%) Land $2,625 Building $65,695	$68,320 (+60.6%) Land $2,625 Building $65,695
2025	$484.00 (+6.37%)	$42,540 (+0.22%) Land $2,625 Building $39,915	$42,540 (+0.22%) Land $2,625 Building $39,915
2024	$455.00	$42,445 (+2.51%) Land $2,185 Building $40,260	$42,445 (+2.51%) Land $2,185 Building $40,260
2023	Homeowner's exemption	$41,405 Land $2,185 Building $39,220	$41,405 Land $2,185 Building $39,220

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

Flood

FEMA maps place 905 N Locust St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 905 N Locust St is low, with a 0.02% annual chance of 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	0.02% 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 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 135 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Viaero Wireless.

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