1224 W Cottage Loop, Gardnerville, NV 89460 Property Records

Douglas County property record for 1224 W Cottage Loop, Gardnerville, NV 89460

Property Summary

Property Type	Single Family Home
Details	2,109 sqft · built 2017
Lot Size	0.085 acres (3,703 sqft)
Owner	Trust Name on File
Tax Bill	$2,181 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2020 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1220-21-111-103`

Property Details

APN / Parcel Number

Primary APN	`1220-21-111-103`
Alternative APN	`122021111066`

Interior

Stories	1 Story
Building Area	2,109 sqft Living Area
Gross Area	2,534 sqft
1st Floor Area	2,109 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	122021111066
Street Address	1224 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 37
Legal Range	20E
Legal Township	12N
Legal Section	21
Legal Subdivision	COTTAGES AT CV PHASE #1
Legal Block	3
Legal Lot Number	37
Jurisdiction	DOUGLAS NV
Township / Civil Division	GARDNERVILLE-MINDEN
Census Block Group	3
Census Block	3013
Census Tract	1200

Owner

1224 W Cottage Loop is owner-occupied and held in a trust since March 2020.

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

Owner of Record	Trust Name on File
Mailing Address	1224 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Feb 8, 2021	Deed of Trust, Mortgage · VA Mortgage VALLEY WEST CORP
Jun 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 26, 2020	Quit Claim Deed, Transfer · VA Mortgage CLEARPATH LNDG
May 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 1, 2017	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Apr 21, 2017	Grant Deed, Transfer · VA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2020
Deed Sale	Mar 26, 2020
Prior Sale	Apr 21, 2017 · Amount on File
Deed Document Number	2020943963
Prior Transfer Date	Mar 14, 2020
Prior Transfer Doc	0000043963
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1224 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Transaction Type	Mortgage
Record Updated	Jan 12, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061619
Date	Feb 8, 2021
Instrument	2021-961619

Lender

Name	VALLEY WEST CORP
Address	LAS VEGAS, NV 89117

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DOUGLAS NV
Recording Date	Jun 16, 2020
Property Address	1224 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000947751
Instrument Date	Jun 15, 2020
Instrument	947751
Transaction Type	Transfer
Record Updated	Jul 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1224 W COTTAGE LOOP GARDNERVILLE NV 894604400, GARDNERVILLE, NV 89460-4400

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DOUGLAS NV
Recording Date	Mar 26, 2020
Property Address	1224 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000943963
Instrument Date	Mar 14, 2020
Instrument	943963
Transaction Type	Transfer
Record Updated	Apr 21, 2020
Title Company	VANTAGE POINT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1224 W COTTAGE LOOP GARDNERVILLE NV 894604400, GARDNERVILLE, NV 89460-4400

Mortgage

Document Number	943964
Date	Mar 26, 2020
Instrument	943964

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2050

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DOUGLAS NV
Recording Date	May 21, 2018
Property Address	1224 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000914498
Instrument Date	Apr 19, 2018
Instrument	914498
Transaction Type	Transfer
Record Updated	Jun 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1224 W COTTAGE LOOP GARDNERVILLE NV 894604400, GARDNERVILLE, NV 89460-4400

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1224 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000908019
Instrument Date	Dec 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2018
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1224 W COTTAGE LOOP GARDNERVILLE NV 894604400, GARDNERVILLE, NV 89460-4400

Mortgage

Document Number	0000908019
Date	Dec 14, 2017
Instrument	908019

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2047

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DOUGLAS NV
Recording Date	Apr 21, 2017
Property Address	1224 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000897681
Instrument Date	Apr 12, 2017
Instrument	897681
Transaction Type	Transfer
Record Updated	Aug 1, 2018
Title Company	WESTERN TITLE INSURANCE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,441.35
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1224 W COTTAGE LOOP GARDNERVILLE NV 894604400, GARDNERVILLE, NV 89460-4400

Mortgage

Document Number	897682
Date	Apr 21, 2017
Instrument	897682

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1224 W Cottage Loop was $2,181, 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	$2,181.00 (+3.02%)	$137,940 (-0.81%) Land $31,500 Building $106,440
2025	$2,117.00	$139,067 Land $30,800 Building $108,267	$397,334 Land $88,000 Building $309,334
2023	$1,996.00	$132,428 Land $30,800 Building $101,628	$378,366 Land $88,000 Building $290,366
2021			$324,597 Land $70,000 Building $254,597

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1224 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 1224 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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