1202 W Cottage Loop, Gardnerville, NV 89460 Property Records

Douglas County property record for 1202 W Cottage Loop, Gardnerville, NV 89460

Property Summary

Property Type	Single Family Home
Details	1,633 sqft · built 2007
Lot Size	0.095 acres (4,138 sqft)
Owner	2 Company Names on Record
Last Sale	$500,000 (Apr 2026)
Tax Bill	$2,461 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1220-21-111-098`

Property Details

APN / Parcel Number

Primary APN	`1220-21-111-098`
Alternative APN	`122021111032`

Interior

Stories	1 Story
Building Area	1,633 sqft Living Area
Gross Area	2,109 sqft
1st Floor Area	1,633 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	4,138 sqft (0.095 acres)
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	122021111032
Street Address	1202 W COTTAGE LOOP
City	GARDNERVILLE
State	NV
Zip	89460-4400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COTTAGES AT CV PHASE #1 LOT 32
Legal Range	20E
Legal Township	12N
Legal Section	21
Legal Subdivision	COTTAGES AT CV PHASE #1
Legal Block	3
Legal Lot Number	32
Jurisdiction	DOUGLAS NV
Township / Civil Division	GARDNERVILLE-MINDEN
Census Block Group	3
Census Block	3013
Census Tract	1200

Owner

Source: Douglas County records, as of April 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1202 W COLLEGE LOOP, GARDNERVILLE, NV 89460
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage ZB NA
May 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage ZB NA
Dec 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 16, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORPORATION
Mar 13, 2024	Intrafamily Transfer, Transfer
Jul 11, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Aug 9, 2012 · Amount on Record
Deed Document Number	20261032415
Prior Transfer Date	Mar 13, 2024
Prior Transfer Doc	0000005533
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1202 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Transaction Type	Mortgage
Record Updated	May 4, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE MINDEN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080420
Date	Jan 28, 2022
Instrument	2022-980420

Lender

Name	ZB NA
Type	Bank
Address	LAS VEGAS, NV 89119

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1202 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Transaction Type	Mortgage
Record Updated	May 4, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE MINDEN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400

Mortgage

Document Number	0000096575
Date	May 17, 2023
Instrument	2023-996575

Lender

Name	ZB NA
Type	Bank
Address	LAS VEGAS, NV 89119

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1202 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Transaction Type	Mortgage
Record Updated	May 4, 2026
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	861 S CLOVER AVE, SAN JOSE, CA 95128-3320

Mortgage

Document Number	0000015649
Date	Dec 12, 2024
Instrument	2024-1015649

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	DOUGLAS NV
Recording Date	Apr 16, 2026
Property Address	1202 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0001032415
Instrument Date	Mar 31, 2026
Instrument	2026.1032415
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	ACR TITLE GROUP, CORE TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$196,950.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

Mortgage

Document Number	0001032416,
Date	Apr 16, 2026
Instrument	2026.1032416

Lender

Name	MASON MCDUFFIE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DOUGLAS NV
Recording Date	Mar 13, 2024
Property Address	1202 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000005533
Map Reference	DOC 684198
Instrument Date	Mar 13, 2024
Instrument	2024-1005533
Transaction Type	Transfer
Record Updated	Jan 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DOUGLAS NV
Recording Date	Jul 11, 2023
Property Address	1202 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000098414
Map Reference	DOC 684198
Instrument Date	Jul 11, 2023
Instrument	2023-998414
Transaction Type	Transfer
Record Updated	Jan 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1202 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Nevada
County	Douglas County
Unified School District	Douglas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$107,683 (-0.12%) Land $31,500 Building $76,183
2025	$2,461.00 (+6.08%)	$107,812 (+3.83%) Land $30,800 Building $77,012	$308,034 (+3.83%) Land $88,000 Building $220,034
2023	$2,320.00	$103,835 Land $30,800 Building $73,035	$296,671 (+20.56%) Land $88,000 Building $208,671
2021			$246,074 Land $70,000 Building $176,074

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 40% of the US · lower than 78% of Nevada
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, based on 143 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
Hot Spot Broadband Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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