1207 W Cottage Loop, Gardnerville, NV 89460 Property Records

Douglas County property record for 1207 W Cottage Loop, Gardnerville, NV 89460

Property Summary

Property Type	Single Family Home
Details	1,633 sqft · built 2009
Lot Size	0.092 acres (4,008 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Aug 2026)
Tax Bill	$2,467 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1220-21-111-094`

Property Details

APN / Parcel Number

Primary APN	`1220-21-111-094`
Alternative APN	`122021111028`

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 2009
Effective Year Built	Effective 2009
Lot Area	4,008 sqft (0.092 acres)
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	122021111028
Street Address	1207 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 28
Legal Range	20E
Legal Township	12N
Legal Section	21
Legal Subdivision	COTTAGES AT CV PHASE #1
Legal Block	3
Legal Lot Number	28
Jurisdiction	DOUGLAS NV
Township / Civil Division	GARDNERVILLE-MINDEN
Census Block Group	3
Census Block	3011
Census Tract	1200

Owner

1207 W Cottage Loop is owned by an individual who bought it in August 2026.

Source: Douglas County records, as of September 16, 2026

Owner of Record	Individual Name on File
Mailing Address	329 CATTAIL CIR, GARDNERVILLE, NV 89410-5905
Owner Type	Individual
Vesting	Unmarried Woman

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

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage PARAMOUNT MORTGAGE
Feb 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING
Dec 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2026 · Amount on File
Deed Sale	Aug 18, 2026 · Amount on File
Prior Sale	Jun 3, 2014 · Amount on File
Deed Document Number	20261036637
Prior Transfer Date	May 30, 2014
Prior Transfer Doc	0000843956
Record Updated	Oct 29, 2026

August 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	DOUGLAS NV
Recording Date	Aug 18, 2026
Property Address	1207 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0001036637
Instrument Date	Aug 11, 2026
Instrument	20261036637
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$216,645.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	329 CATTAIL CIR, GARDNERVILLE, NV 89410-5905

Mortgage

Document Number	0001036638,
Date	Aug 18, 2026
Instrument	20261036638

Lender

Name	PARAMOUNT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1207 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000960884
Instrument Date	Feb 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1207 W COTTAGE LOOP GARDNERVILLE NV 894604400, GARDNERVILLE, NV 89460-4400

Mortgage

Document Number	0000960884
Date	Jan 29, 2021
Instrument	960884

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1207 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000924261
Instrument Date	Dec 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 17, 2019
Title Company	TITLE 365- NLSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1207 W COTTAGE LOOP GARDNERVILLE NV 894604400, GARDNERVILLE, NV 89460-4400

Mortgage

Document Number	0000924261
Date	Jan 4, 2019
Instrument	924261

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1207 W Cottage Loop was $2,467, up 3% from the year before.

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	$2,467.00 (+3.01%)	$105,464 (-0.83%) Land $31,500 Building $73,964
2025	$2,395.00	$106,344 Land $30,800 Building $75,544	$303,840 Land $88,000 Building $215,840
2023	$2,257.00	$102,003 Land $30,800 Building $71,203	$291,437 Land $88,000 Building $203,437
2021			$240,797 Land $70,000 Building $170,797

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

Flood

FEMA maps place 1207 W Cottage Loop in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1207 W Cottage Loop is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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.

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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