1203 W Cottage Loop, Gardnerville, NV 89460 Property Records

Douglas County property record for 1203 W Cottage Loop, Gardnerville, NV 89460

Property Summary

Property Type	Single Family Home
Details	1,501 sqft · built 2007
Lot Size	0.098 acres (4,269 sqft)
Owner	Company Name on Record
Last Sale	$493,700 (Jan 2022)
Tax Bill	$2,399 (2026)
Deeds & Mortgages	Jan 2022 Transfer Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1220-21-111-096`

Property Details

APN / Parcel Number

Primary APN	`1220-21-111-096`
Alternative APN	`122021111030`

Interior

Stories	1 Story
Building Area	1,501 sqft Living Area
Gross Area	2,018 sqft
1st Floor Area	1,501 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	4,269 sqft (0.098 acres)
Garage Type	Attached
Garage Area	517 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	122021111030
Street Address	1203 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 30
Legal Range	20E
Legal Township	12N
Legal Section	21
Legal Subdivision	COTTAGES AT CV PHASE #1
Legal Block	3
Legal Lot Number	30
Jurisdiction	DOUGLAS NV
Township / Civil Division	GARDNERVILLE-MINDEN
Census Block Group	3
Census Block	3011
Census Tract	1200

Owner

Source: Douglas County records, as of October 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1203 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Intrafamily Transfer, Transfer TICOR TITLE INSURANCE COMPANY, TICOR TITLE
Jan 14, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 11, 2018	Grant Deed, Transfer WESTERN TITLE INSURANCE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2022 · Amount on Record
Deed Sale	Jan 14, 2022 · Amount on Record
Prior Sale	Sep 11, 2018 · Amount on Record
Deed Document Number	2022979852
Record Updated	Oct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DOUGLAS NV
Recording Date	Jan 14, 2022
Property Address	1203 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000079854
Map Reference	DOC 2017-900311
Instrument Date	Jan 14, 2022
Instrument	2022-979854
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

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	Revocable Trust
Address	1203 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400

January 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	DOUGLAS NV
Recording Date	Jan 14, 2022
Property Address	1203 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000079852
Instrument Date	Jan 12, 2022
Instrument	2022-979852
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE CC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,926.60
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1203 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400

Mortgage

Document Number	0000079853
Date	Jan 14, 2022
Instrument	2022-979853

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DOUGLAS NV
Recording Date	Sep 11, 2018
Property Address	1203 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000919434
Instrument Date	Aug 27, 2018
Instrument	919434
Transaction Type	Transfer
Record Updated	Sep 27, 2018
Title Company	WESTERN TITLE INSURANCE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,478.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	220 SHERIDAN CREEK CT GARDNERVILLE NV 894606419, GARDNERVILLE, NV 89460-6419

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	$2,399.00 (+3.01%)	$102,309 (-0.03%) Land $31,500 Building $70,809
2025	$2,329.00 (+6.06%)	$102,339 (+3.7%) Land $30,800 Building $71,539	$292,397 (+3.7%) Land $88,000 Building $204,397
2023	$2,196.00	$98,690 Land $30,800 Building $67,890	$281,971 (+19.71%) Land $88,000 Building $193,971
2021			$235,549 Land $70,000 Building $165,549

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 42% of the US · lower than 77% 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.

Drinking Water

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

Water System	GARDNERVILLE RANCHOS GID serves 11,300 people · EPA ID NV0000066
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

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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