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Single Family ResidenceResidential
$151,010$138 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $16,721 on Jul 19, 2010

645 S SPRUCE ST

VALPARAISO, NE 68065
2
Beds
1
Baths
1,092 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.
0.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1928
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$151K
$144K low$158K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$16,721 · Jul 19, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,498 (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.$123,786 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,538
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$107,248
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$123,786
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$123,786

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.19 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.0.27
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, Built-in
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.DeckShed · 240 ft²Patio · 128 ft²Porch · 64 ft²

Transaction History(2)

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
Elementary School at ValparaisoA-
Elementary · Grades PK–5 · 0.4 mi
M
Secondary School at RaymondD
Middle · Grades 9–12 · 5.8 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

645 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 91% of homes in Saunders County
  • Costs less per square foot than 87% of homes in Saunders County
  • Smaller than 85% of homes in Valparaiso 68065
  • Has a smaller lot than 83% of homes in Valparaiso 68065
  • Older than 72% of homes in Saunders County

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
$86K$848K

This home is worth more than 13% 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$151,010
CheaperTypical $291,934Pricier

Pricier than 13% of homes nearby

Price per ft²$138
CheaperTypical $194Pricier

Pricier than 21% of homes nearby

Living area1,092 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 15% of homes nearby

Lot size0.27 ac
SmallerTypical 2 acBigger

Bigger than 17% of homes nearby

Year built1928
OlderTypical 1976Newer

Newer than 29% of homes nearby

How 645 S Spruce St ranks against every home in each area.
MeasureThis homeValparaiso 68065Saunders County
Estimated valuepricier than$151,01013% of homes9% of homes
Price per ft²pricier than$13821% of homes13% of homes
Living areabigger than1,092 ft²15% of homes20% of homes
Lot sizebigger than0.27 ac17% of homes33% of homes
Year builtnewer than192829% of homes28% of homes

About 645 S Spruce St

How much is 645 S Spruce St, Valparaiso, NE worth?

The TopHap Estimate for 645 S Spruce St, Valparaiso, NE is $151,010 as of Sep 24, 2026. The likely range is $144,144 to $157,876. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 S Spruce St, Valparaiso, NE last sell?

645 S Spruce St, Valparaiso, NE last sold on Jul 19, 2010 for $16,721, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 645 S Spruce St, Valparaiso, NE?

645 S Spruce St, Valparaiso, NE has 2 bedrooms, 1 bathrooms, 1,092 square feet of living space and a 0.27-acre lot.

When was 645 S Spruce St, Valparaiso, NE built?

645 S Spruce St, Valparaiso, NE was built in 1928, making it 98 years old. The building has 1 story.

What schools serve 645 S Spruce St, Valparaiso, NE?

645 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 645 S Spruce St, Valparaiso, NE compare to other homes in Valparaiso 68065?

Among the 648 homes in Valparaiso 68065, it is worth more than 13% of them ($151,010 against a typical $291,934), its price per square foot is higher than 21% of them ($138 against a typical $194), it is bigger than 15% of them (1,092 ft² against a typical 1,456 ft²), its lot is bigger than 17% of them (0.27 ac against a typical 2 ac) and it is newer than 29% of them (1928 against a typical 1976). Measured against all of Saunders County, it is worth more than 9% 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 645 S Spruce St, Valparaiso, NE?

The 2025 property tax bill for 645 S Spruce St, Valparaiso, NE was $1,498. The county assessed it at $123,786.

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