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Rural ResidenceResidential
$253,711$210 / 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 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

509 SPRUCE ST

SAINT LIBORY, NE 68872
3
Beds
1
Baths
1,208 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.
3 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
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

$254K
$225K low$283K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$931 (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.$193,182 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$65,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$128,182
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$159,303
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$193,182

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.20 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

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
CountyHoward
Lot (acres)The size of the land the home sits on, from county records.3.00
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.Raised (Unspecified)
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.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.ShedPorch · 120 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

E
St. Libory Elementary SchoolB+
Elementary · Grades KG–8 · 0.7 mi
H
Northwest High SchoolB+
High · Grades 9–12 · 9.4 mi

District: Northwest Public Schools

Neighborhood · ZIP 68872These 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.39
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.27

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.689
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.11 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$86,427
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,860
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.26 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.65%

Owner Tools

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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

509 Spruce St 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 less than 71% of homes in Saint Libory 68872
  • Costs more per square foot than 67% of homes in Howard County
  • Smaller than 77% of homes in Saint Libory 68872
  • Older than 76% of homes in Saint Libory 68872

What homes are worth in Saint Libory 68872

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

This home
$114K$830K

This home is worth more than 29% of homes in Saint Libory 68872.

How it measures up in Saint Libory 68872

The dot is this home. The mark in the middle is the typical home in Saint Libory 68872.

Estimated value$253,711
CheaperTypical $317,860Pricier

Pricier than 29% of homes nearby

Price per ft²$210
CheaperTypical $216Pricier

Pricier than 46% of homes nearby

Living area1,208 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 23% of homes nearby

Lot size3 ac
SmallerTypical 4.58 acBigger

Bigger than 40% of homes nearby

Year built1925
OlderTypical 1972Newer

Newer than 24% of homes nearby

How 509 Spruce St ranks against every home in each area.
MeasureThis homeSaint Libory 68872Howard County
Estimated valuepricier than$253,71129% of homes53% of homes
Price per ft²pricier than$21046% of homes67% of homes
Living areabigger than1,208 ft²23% of homes30% of homes
Lot sizebigger than3 ac40% of homes58% of homes
Year builtnewer than192524% of homes33% of homes

About 509 Spruce St

How much is 509 Spruce St, Saint Libory, NE worth?

The TopHap Estimate for 509 Spruce St, Saint Libory, NE is $253,711 as of Aug 30, 2026. The likely range is $224,673 to $282,749. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 509 Spruce St, Saint Libory, NE?

509 Spruce St, Saint Libory, NE has 3 bedrooms, 1 bathrooms, 1,208 square feet of living space and a 3.00-acre lot.

When was 509 Spruce St, Saint Libory, NE built?

509 Spruce St, Saint Libory, NE was built in 1925, making it 101 years old. The building has 1 story.

What schools serve 509 Spruce St, Saint Libory, NE?

509 Spruce St, Saint Libory, NE is assigned to St. Libory Elementary School (elementary), rated B+; Northwest High School (high), rated B+. All sit in Northwest Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 509 Spruce St, Saint Libory, NE compare to other homes in Saint Libory 68872?

Among the 396 homes in Saint Libory 68872, it is worth more than 29% of them ($253,711 against a typical $317,860), its price per square foot is higher than 46% of them ($210 against a typical $216), it is bigger than 23% of them (1,208 ft² against a typical 1,560 ft²), its lot is bigger than 40% of them (3 ac against a typical 4.58 ac) and it is newer than 24% of them (1925 against a typical 1972). Measured against all of Howard County, it is worth more than 53% 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 509 Spruce St, Saint Libory, NE?

The 2025 property tax bill for 509 Spruce St, Saint Libory, NE was $931. The county assessed it at $193,182.

More homes on Spruce St

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Assigned schools

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