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Rural ResidenceResidential
$968,207$409 / 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 96How 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

4540 SPENCER LN

ROCA, NE 68430
3
Beds
7 / 2
Baths
2,369 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.
4.39 ac
Lot SizeThe size of the land the home sits on, from county records.
2014
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$968K
$926K low$1M high
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.$968,207
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$774,566

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,853 (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.$863,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$140,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$723,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$866,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$863,900

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.42
38
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.
6
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.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.1 percent flood zone

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
CountyLancaster
Lot (acres)The size of the land the home sits on, from county records.4.39
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.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.Porch · 280 ft²Sprinklers

Transaction History(3)

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
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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

4540 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.

  • Among the most valuable homes in Lancaster County
  • Among the highest price per square foot in Lancaster County
  • Bigger than 85% of homes in Lancaster County
  • Has a bigger lot than 96% of homes in Lancaster County
  • Newer than 89% 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
$203K$1.5M

This home is worth more than 89% 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$968,207
CheaperTypical $599,305Pricier

Pricier than 89% of homes nearby

Price per ft²$409
CheaperTypical $306Pricier

Pricier than 89% of homes nearby

Living area2,369 ft²
SmallerTypical 2,062 ft²Bigger

Bigger than 64% of homes nearby

Lot size4.39 ac
SmallerTypical 3 acBigger

Bigger than 77% of homes nearby

Year built2014
OlderTypical 2006Newer

Newer than 63% of homes nearby

How 4540 Spencer Ln ranks against every home in each area.
MeasureThis homeRoca 68430Lancaster County
Estimated valuepricier than$968,20789% of homesalmost all homes
Price per ft²pricier than$40989% of homesalmost all homes
Living areabigger than2,369 ft²64% of homes85% of homes
Lot sizebigger than4.39 ac77% of homes96% of homes
Year builtnewer than201463% of homes89% of homes

About 4540 Spencer Ln

How much is 4540 Spencer Ln, Roca, NE worth?

The TopHap Estimate for 4540 Spencer Ln, Roca, NE is $968,207 as of Jul 14, 2026. The likely range is $925,726 to $1,010,688. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4540 Spencer Ln, Roca, NE last sell?

4540 Spencer Ln, Roca, NE last sold on Mar 27, 2025, according to the county's recorded deed.

How big is 4540 Spencer Ln, Roca, NE?

4540 Spencer Ln, Roca, NE has 3 bedrooms, 7 bathrooms, 2,369 square feet of living space and a 4.39-acre lot.

When was 4540 Spencer Ln, Roca, NE built?

4540 Spencer Ln, Roca, NE was built in 2014, making it 12 years old. The building has 1 story.

What schools serve 4540 Spencer Ln, Roca, NE?

4540 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 4540 Spencer Ln, Roca, NE compare to other homes in Roca 68430?

Among the 919 homes in Roca 68430, it is worth more than 89% of them ($968,207 against a typical $599,305), its price per square foot is higher than 89% of them ($409 against a typical $306), it is bigger than 64% of them (2,369 ft² against a typical 2,062 ft²), its lot is bigger than 77% of them (4.39 ac against a typical 3 ac) and it is newer than 63% of them (2014 against a typical 2006). Measured against all of Lancaster County, it is worth more than almost all 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 4540 Spencer Ln, Roca, NE?

The 2025 property tax bill for 4540 Spencer Ln, Roca, NE was $10,853. The county assessed it at $863,900.

More homes on Spencer Ln

Closest homes

More homes in Roca 68430

Assigned schools

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