123 Agate Dr, Spring Creek, NV 89815 Property Records

Elko County property record for 123 Agate Dr, Spring Creek, NV 89815

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,521 sqft · built 2012
Lot Size	1.33 acres (57,935 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Sep 2025)
Tax Bill	$3,406 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Aug 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`053-001-017`

Property Details

APN / Parcel Number

Primary APN	`053-001-017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,521 sqft Living Area
Gross Area	3,515 sqft
1st Floor Area	1,521 sqft
Basement Area	1,444 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	57,935 sqft
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	123 AGATE DR
City	SPRING CREEK
State	NV
Zip	89815-5729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	TRACT 103 SPRING CREEK CORPORATION FILE 60406
Legal Subdivision	SPRING CREEK TRACT 103
Legal Tract	103
Legal Block	1
Legal Lot Number	17
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1006
Census Tract	951403

Owner

123 Agate Dr is owned and occupied by two individuals who bought it in September 2025.

Source: Elko County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	123 AGATE DR, SPRING CREEK, NV 89815-5729
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
Nov 30, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 30, 2023	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
May 21, 2024	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Sep 12, 2025	Intrafamily Transfer, Transfer LANDMARK TITLE ASSURANCE AGENCY, LANDMARK TTL ASSURANCE AGCY
Sep 12, 2025	Bargain and Sale Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Nov 6, 2020	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Jul 23, 2019	Bargain and Sale Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2025 · Amount on File
Deed Sale	Sep 12, 2025 · Amount on File
Prior Sale	Jul 23, 2019 · Amount on File
Deed Document Number	2025854644
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	123 AGATE DR, SPRING CREEK, NV 89815-5729
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 AGATE DR, SPRING CREEK, NV 89815-5729

Mortgage

Document Number	0000813999
Date	Nov 30, 2022
Instrument	813999

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Aug 1, 2049

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	123 AGATE DR, SPRING CREEK, NV 89815-5729
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 AGATE DR, SPRING CREEK, NV 89815-5729

Mortgage

Document Number	0000824526
Date	Aug 30, 2023
Instrument	824526

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	312 Months
Due	Aug 1, 2049

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	123 AGATE DR, SPRING CREEK, NV 89815-5729
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 AGATE DR, SPRING CREEK, NV 89815-5729

Mortgage

Document Number	0000836726
Date	May 21, 2024
Instrument	836726

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	303 Months
Due	Aug 1, 2049

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Sep 12, 2025
Property Address	123 AGATE DR, SPRING CREEK, NV 89815-5729
Document Number	0000854643
Map Reference	FILE 60406
Instrument Date	Aug 18, 2025
Instrument	854643
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	LANDMARK TITLE ASSURANCE AGENCY, LANDMARK TTL ASSURANCE AGCY

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	1811 SICKLE ST, MONTE VISTA, CO 81144-1640

September 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Sep 12, 2025
Property Address	123 AGATE DR, SPRING CREEK, NV 89815-5729
Document Number	0000854644
Map Reference	FILE 60406
Instrument Date	Aug 8, 2025
Instrument	854644
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	LANDMARK TITLE ASSURANCE AGENCY, LANDMARK TTL ASSURANCE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,521.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1811 SICKLE ST, MONTE VISTA, CO 81144-1640

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	123 AGATE DR, SPRING CREEK, NV 89815-5729

Mortgage

Document Number	0000854645
Date	Sep 12, 2025
Instrument	854645

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	123 AGATE DR, SPRING CREEK, NV 89815-5729
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 AGATE DR, SPRING CREEK, NV 89815-5729

Mortgage

Document Number	0000776582
Date	Nov 6, 2020
Instrument	776582

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	Aug 1, 2049

July 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jul 23, 2019
Property Address	123 AGATE DR, SPRING CREEK, NV 89815-5729
Document Number	0000757047
Map Reference	FILE 60406
Instrument Date	Jun 17, 2019
Instrument	757047
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 AGATE DR, 123, SPRING CREEK, NV 89815-5729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 AGATE RIVE, SPRING CREEK, NV 89815-5729

Mortgage

Document Number	0000757048
Date	Jul 23, 2019
Instrument	757048

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 123 Agate Dr was $3,406, up 4.1% from the year before.

Source: Elko County assessment roll, as of September 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,406.00 (+4.13%)	$127,161 (-1.86%) Land $14,000 Building $113,161	$363,317 (-1.86%) Land $40,000 Building $323,317
2025	$3,271.00	$129,574 Land $14,000 Building $115,574	$370,211 Land $40,000 Building $330,211
2023	$2,829.00 (+2.99%)	$119,239 (+16.28%) Land $9,975 Building $109,264	$340,683 (+16.28%) Land $28,500 Building $312,183
2022	$2,747.00	$102,542 Land $9,975 Building $92,567	$292,977 Land $28,500 Building $264,477

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 123 Agate Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 23, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 123 Agate Dr is extreme, ranking above 98.3% of the US, with a 4% annual chance of wildfire.

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

Wildfire Risk	Extreme above 98.3% of the US · above 94% of Nevada
Wildfire Likelihood	4% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	GREAT BASIN WATER CO SPRING CREEK MHP private · serves 3,640 people · EPA ID NV0005027
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Anthem Broadband of Nevada Fiber	2,000 / 2,000
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50
Rise Broadband Fixed Wireless	100 / 20

May also be available: T-Mobile.

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