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Single Family ResidenceResidential
$185,146$115 / 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 92How 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

643 S SPRUCE ST

VALPARAISO, NE 68065
3
Beds
1
Baths
1,610 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1918
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$185K
$170K low$200K high

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$150,115 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,438
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$138,677
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$150,115
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$150,115

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.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Single Family Residence
CountySAUNDERS
Lot (acres)The size of the land the home sits on, from county records.0.19
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.DeckPatio · 128 ft²Porch · 206 ft²

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

E
Elementary School at ValparaisoA-
Elementary · Grades PK–5 · 0.3 mi
M
Secondary School at RaymondD
Middle · Grades 9–12 · 5.9 mi

District: Raymond Central Schools

Neighborhood · ZIP 68065These 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.88
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 100.42

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.5.5%
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.1,781
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.22 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$97,061
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$116,953
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.29 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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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

643 S 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 85% of homes in Saunders County
  • Costs less per square foot than 94% of homes in Saunders County
  • Has a smaller lot than 94% of homes in Valparaiso 68065
  • Older than 76% of homes in Valparaiso 68065

What homes are worth in Valparaiso 68065

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

This home
$98K$723K

This home is worth more than 19% of homes in Valparaiso 68065.

How it measures up in Valparaiso 68065

The dot is this home. The mark in the middle is the typical home in Valparaiso 68065.

Estimated value$185,146
CheaperTypical $309,097Pricier

Pricier than 19% of homes nearby

Price per ft²$115
CheaperTypical $198Pricier

Pricier than 10% of homes nearby

Living area1,610 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 62% of homes nearby

Lot size0.19 ac
SmallerTypical 2.01 acBigger

Bigger than 6% of homes nearby

Year built1918
OlderTypical 1976Newer

Newer than 24% of homes nearby

How 643 S Spruce St ranks against every home in each area.
MeasureThis homeValparaiso 68065Saunders County
Estimated valuepricier than$185,14619% of homes15% of homes
Price per ft²pricier than$11510% of homes6% of homes
Living areabigger than1,610 ft²62% of homes55% of homes
Lot sizebigger than0.19 ac6% of homes12% of homes
Year builtnewer than191824% of homes24% of homes

About 643 S Spruce St

How much is 643 S Spruce St, Valparaiso, NE worth?

The TopHap Estimate for 643 S Spruce St, Valparaiso, NE is $185,146 as of Aug 30, 2026. The likely range is $170,425 to $199,867. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 643 S Spruce St, Valparaiso, NE last sell?

643 S Spruce St, Valparaiso, NE last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 643 S Spruce St, Valparaiso, NE?

643 S Spruce St, Valparaiso, NE has 3 bedrooms, 1 bathrooms, 1,610 square feet of living space and a 0.19-acre lot.

When was 643 S Spruce St, Valparaiso, NE built?

643 S Spruce St, Valparaiso, NE was built in 1918, making it 108 years old. The building has 1 story.

What schools serve 643 S Spruce St, Valparaiso, NE?

643 S Spruce St, Valparaiso, NE is assigned to Elementary School at Valparaiso (elementary), rated A-; Secondary School at Raymond (middle), rated D. All sit in Raymond Central Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 643 S Spruce St, Valparaiso, NE compare to other homes in Valparaiso 68065?

Among the 650 homes in Valparaiso 68065, it is worth more than 19% of them ($185,146 against a typical $309,097), its price per square foot is higher than 10% of them ($115 against a typical $198), it is bigger than 62% of them (1,610 ft² against a typical 1,456 ft²), its lot is bigger than 6% of them (0.19 ac against a typical 2.01 ac) and it is newer than 24% of them (1918 against a typical 1976). Measured against all of Saunders County, it is worth more than 15% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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