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Rural ResidenceResidential
$804,614$389 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $45,000 on Aug 7, 2002

4410 SPENCER LN

ROCA, NE 68430
3
Beds
6 / 3
Baths
2,070 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
5.02 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$805K
$726K low$883K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$45,000 · Aug 7, 2002
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$227,114
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$181,691
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.70%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$285,000
WEST GATE BANK · recorded Aug 15, 2002
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$168,000
WELLS FARGO BANK NA
3rd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$124,500

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,863 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$705,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$144,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$561,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$727,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$705,500

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.56
96
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
44
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
71
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
52
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
20
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.121 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyLancaster
Lot (acres)The size of the land the home sits on, from county records.5.02
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 228 ft²Patio · 228 ft²Porch · 311 ft²Sprinklers

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Norris Elementary School
Elementary · Grades PK–2 · 7.7 mi
M
Norris Middle SchoolA
Middle · Grades 6–8 · 7.7 mi
H
Norris High SchoolA+
High · Grades 9–12 · 7.8 mi

District: Norris School District 160

Neighborhood · ZIP 68430These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.47
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.2,366
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.53 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$116,545
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$139,187
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.31 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4410 Spencer Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 97% of homes in Lancaster County
  • Costs more per square foot than 98% of homes in Lancaster County
  • Bigger than 78% of homes in Lancaster County
  • Has a bigger lot than 98% of homes in Lancaster County
  • Newer than 73% of homes in Lancaster County

What homes are worth in Roca 68430

Each bar is how many homes fall in that price range. The marker is this home.

This home
$114K$1.4M

This home is worth more than 74% of homes in Roca 68430.

How it measures up in Roca 68430

The dot is this home. The mark in the middle is the typical home in Roca 68430.

Estimated value$804,614
CheaperTypical $598,914Pricier

Pricier than 74% of homes nearby

Price per ft²$389
CheaperTypical $307Pricier

Pricier than 84% of homes nearby

Living area2,070 ft²
SmallerTypical 2,055 ft²Bigger

Bigger than 51% of homes nearby

Lot size5.02 ac
SmallerTypical 3 acBigger

Bigger than 83% of homes nearby

Year built2001
OlderTypical 2005Newer

Newer than 42% of homes nearby

How 4410 Spencer Ln ranks against every home in each area.
MeasureThis homeRoca 68430Lancaster County
Estimated valuepricier than$804,61474% of homes97% of homes
Price per ft²pricier than$38984% of homes98% of homes
Living areabigger than2,070 ft²51% of homes78% of homes
Lot sizebigger than5.02 ac83% of homes98% of homes
Year builtnewer than200142% of homes73% of homes

About 4410 Spencer Ln

How much is 4410 Spencer Ln, Roca, NE worth?

The TopHap Estimate for 4410 Spencer Ln, Roca, NE is $804,614 as of Jul 14, 2026. The likely range is $725,988 to $883,240. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4410 Spencer Ln, Roca, NE last sell?

4410 Spencer Ln, Roca, NE last sold on Aug 7, 2002 for $45,000, according to the county's recorded deed.

How big is 4410 Spencer Ln, Roca, NE?

4410 Spencer Ln, Roca, NE has 3 bedrooms, 6 bathrooms, 2,070 square feet of living space and a 5.02-acre lot.

When was 4410 Spencer Ln, Roca, NE built?

4410 Spencer Ln, Roca, NE was built in 2001, making it 25 years old. It is a ranch home. The building has 1 story.

What schools serve 4410 Spencer Ln, Roca, NE?

4410 Spencer Ln, Roca, NE is assigned to Norris Elementary School (elementary); Norris Middle School (middle), rated A; Norris High School (high), rated A+. All sit in Norris School District 160. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4410 Spencer Ln, Roca, NE compare to other homes in Roca 68430?

Among the 920 homes in Roca 68430, it is worth more than 74% of them ($804,614 against a typical $598,914), its price per square foot is higher than 84% of them ($389 against a typical $307), it is bigger than 51% of them (2,070 ft² against a typical 2,055 ft²), its lot is bigger than 83% of them (5.02 ac against a typical 3 ac) and it is newer than 42% of them (2001 against a typical 2005). Measured against all of Lancaster County, it is worth more than 97% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4410 Spencer Ln, Roca, NE?

The 2025 property tax bill for 4410 Spencer Ln, Roca, NE was $8,863. The county assessed it at $705,500.

More homes on Spencer Ln

Closest homes

More homes in Roca 68430

Assigned schools

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