120 E Cedar St, Fernley, NV 89408 Property Records

Lyon County property record for 120 E Cedar St, Fernley, NV 89408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,570 sqft · built 1965
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Mar 2020)
Tax Bill	$1,158 (2026)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`020-041-25`

Property Details

APN / Parcel Number

Primary APN	`020-041-25`
Alternative APN	`2004125`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,570 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1969
Lot Area	8,712 sqft (0.2 acres)
Deck Area	288 sqft
Patio Area	288 sqft

Location & Zoning

Street Address	120 E CEDAR ST
City	FERNLEY
State	NV
Zip	89408-8508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	GPBLDG 280
Legal Subdivision	LUCKY BEE
Legal Block	A
Legal Lot Number	8
Jurisdiction	LYON NV
Township / Civil Division	FERNLEY
Census Block Group	1
Census Block	1000
Census Tract	960104

Owner

Source: Lyon County records, as of August 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	120 E CEDAR ST, FERNLEY, NV 89408-8508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2020 · Amount on Record
Deed Sale	Mar 27, 2020 · Amount on Record
Prior Sale	Apr 15, 2014 · Amount on Record
Deed Document Number	2020612893
Prior Transfer Date	Apr 11, 2005
Prior Transfer Doc	0000348475
Record Updated	Sep 20, 2026

March 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LYON NV
Recording Date	Mar 27, 2020
Property Address	120 E CEDAR ST, FERNLEY, NV 89408-8508
Document Number	0000612893
Map Reference	MAP 87896
Instrument Date	Mar 19, 2020
Instrument	612893
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	TICOR TITLE RENO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$916.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 E CEDAR ST, 120, FERNLEY, NV 89408-8508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2494, FERNLEY, NV 89408-2494

Mortgage

Document Number	0000612894
Date	Mar 27, 2020
Instrument	612894

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Lyon County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Nevada
County	Lyon County
Municipality	Fernley City
Unified School District	Lyon County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,158.00 (-13.39%)	$78,009 (+12.93%) Land $57,750 Building $20,259	$222,884 (+12.93%) Land $165,000 Building $57,884
2023	$1,337.00 (+6.79%)	$69,076 (+2.47%) Land $50,750 Building $18,326	$197,361 (+2.47%) Land $145,000 Building $52,361
2022	$1,252.00	$67,409 Land $50,750 Building $16,659	$192,597 Land $145,000 Building $47,597

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective April 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Nevada
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FERNLEY PUBLIC WORKS serves 23,064 people · EPA ID NV0000062
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	200 / 30
Choice Broadband Fixed Wireless	100 / 25