1220 W Cottage Loop, Gardnerville, NV 89460 Property Records

Douglas County property record for 1220 W Cottage Loop, Gardnerville, NV 89460

Property Summary

Property Type	Single Family Home
Details	2,132 sqft · built 2017
Lot Size	0.085 acres (3,703 sqft)
Owner	2 Individual Names on File
Last Sale	$374,759 (Oct 2017)
Tax Bill	$2,149 (2026)
Deeds & Mortgages	Apr 2025 Second Mortgage Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1220-21-111-101`

Property Details

APN / Parcel Number

Primary APN	`1220-21-111-101`
Alternative APN	`122021111064`

Interior

Stories	1 Story
Building Area	2,132 sqft Living Area
Gross Area	2,557 sqft
1st Floor Area	2,132 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	3,703 sqft (0.085 acres)
Garage Type	Attached
Garage Area	425 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	122021111064
Street Address	1220 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 35
Legal Range	20E
Legal Township	12N
Legal Section	21
Legal Subdivision	COTTAGES AT CV PHASE #1
Legal Block	3
Legal Lot Number	35
Jurisdiction	DOUGLAS NV
Township / Civil Division	GARDNERVILLE-MINDEN
Census Block Group	3
Census Block	3013
Census Tract	1200

Owner

1220 W Cottage Loop is owned and occupied by two individuals who acquired it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1220 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 24, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CARRINGTON MORTGAGE SERVICES LLC
Sep 21, 2022	Intrafamily Transfer, Transfer
Apr 20, 2021	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE MINDEN
Oct 31, 2017	Grant Deed, Transfer · VA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2017 · Amount on File
Deed Sale	Oct 31, 2017 · Amount on File
Prior Sale	Sep 23, 2010 · Amount on File
Deed Document Number	2017906276
Last Transfer Date	Sep 21, 2022
Transfer Doc	0000090173
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1220 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Transaction Type	Mortgage
Record Updated	Jan 12, 2026
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019739
Date	Apr 24, 2025
Instrument	2025-1019739

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DOUGLAS NV
Recording Date	Sep 21, 2022
Property Address	1220 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000090173
Map Reference	DOC 2017-900311
Instrument Date	Sep 21, 2022
Instrument	2022-990173
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	1220 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DOUGLAS NV
Recording Date	Apr 20, 2021
Property Address	1220 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000065838
Map Reference	FILE 562908
Instrument Date	Apr 13, 2021
Instrument	2021-965838
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE MINDEN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7516 E COLUMBIA DR, SPOKANE, WA 99212-1618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2263 LATOUR AVE, LIVERMORE, CA 94550-8219

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DOUGLAS NV
Recording Date	Oct 31, 2017
Property Address	1220 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000906276
Instrument Date	Oct 16, 2017
Instrument	906276
Transaction Type	Transfer
Record Updated	Aug 1, 2018
Title Company	WESTENN TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,461.56
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 W COTTAGE LOOP GARDNERVILLE NV 894604400, GARDNERVILLE, NV 89460-4400

Mortgage

Document Number	906277
Date	Oct 31, 2017
Instrument	906277

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1220 W Cottage Loop was $2,149, 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	$2,149.00 (+3.02%)	$137,958 (-0.86%) Land $31,500 Building $106,458
2025	$2,086.00	$139,153 Land $30,800 Building $108,353	$397,580 Land $88,000 Building $309,580
2023	$1,967.00	$132,504 Land $30,800 Building $101,704	$378,583 Land $88,000 Building $290,583
2021			$325,494 Land $70,000 Building $255,494

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

FEMA maps place 1220 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 1220 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.

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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