1230 W Cottage Loop, Gardnerville, NV 89460 Property Records

Douglas County property record for 1230 W Cottage Loop, Gardnerville, NV 89460

Property Summary

Property Type	Single Family Home
Details	1,728 sqft · built 2020
Lot Size	0.094 acres (4,095 sqft)
Owner	2 Trust Names on File
Last Sale	$610,000 (Dec 2025)
Tax Bill	$4,986 (2026)
Deeds & Mortgages	Sep 2021 Line of Credit Dec 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1220-21-111-106`

Property Details

APN / Parcel Number

Primary APN	`1220-21-111-106`
Alternative APN	`122021111040`

Interior

Stories	1 Story
Building Area	1,728 sqft Living Area
Gross Area	2,132 sqft
1st Floor Area	1,728 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	4,095 sqft (0.094 acres)
Garage Type	Attached
Garage Area	404 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	122021111040
Street Address	1230 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 40
Legal Range	20E
Legal Township	12N
Legal Section	21
Legal Subdivision	COTTAGES AT CV PHASE #1
Legal Block	3
Legal Lot Number	40
Jurisdiction	DOUGLAS NV
Township / Civil Division	GARDNERVILLE-MINDEN
Census Block Group	3
Census Block	3013
Census Tract	1200

Owner

1230 W Cottage Loop is held in a trust since December 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	1435 TOPAZ LN, GARDNERVILLE, NV 89460-8935
Owner Type	Company
Vesting	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
Sep 24, 2021	Deed of Trust, Mortgage · Line of Credit GREATER NEVADA CU
Dec 2, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Nov 10, 2020	Grant Deed, Transfer · Conventional Mortgage GUILD MTG
May 20, 2020	Deed of Trust, Mortgage ALL PRO FNDG IV LLC
May 21, 2020	Grant Deed, Transfer WESTERN TITLE INSURANCE COMPANY, WESTERN TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2025 · Amount on File
Deed Sale	Dec 2, 2025 · Amount on File
Prior Sale	Nov 10, 2020 · Amount on File
Deed Document Number	20251027582
Prior Transfer Date	Sep 2, 2021
Prior Transfer Doc	0000975533
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1230 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Transaction Type	Mortgage
Record Updated	Jan 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1230 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400

Mortgage

Document Number	0000074538
Date	Sep 24, 2021
Instrument	2021-974538

Lender

Name	GREATER NEVADA CU
Type	Credit Union
Address	CARSON CITY, NV 89701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 28, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	DOUGLAS NV
Recording Date	Dec 2, 2025
Property Address	1230 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000027582
Map Reference	DOC 2017-900311
Instrument Date	Dec 21, 2024
Instrument	2025-1027582
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	FIRST CENTENNIAL TITLE COMPANY, FIRST CENTENNIAL TTL CO OF N

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,379.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1230 WEST COLLAGE LOOP, GARDNERVILLE, NV 89460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1435 TOPAZ LN, GARDNERVILLE, NV 89460-8935

Mortgage

Document Number	0000027583
Date	Dec 2, 2025
Instrument	2025-1027583

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DOUGLAS NV
Recording Date	Nov 10, 2020
Property Address	1230 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000956179
Instrument Date	Nov 2, 2020
Instrument	956179
Transaction Type	Transfer
Record Updated	Nov 27, 2020
Title Company	WESTERN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,737.00
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	1230 W COTTAGE LOOP GARDNERVILLE NV 89460, GARDNERVILLE, NV 89460

Mortgage

Document Number	956180
Date	Nov 10, 2020
Instrument	956180

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1230 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000946451
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 5, 2020
Title Company	WESTERN TITLE INSURANCE COMPANY, WESTERN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1625 STATE ROUTE 88 #102 MINDEN NV 894234620, 102, MINDEN, NV 89423-4620

Mortgage

Document Number	0000946451
Date	May 21, 2020
Instrument	946451

Lender

Name	ALL PRO FNDG IV LLC
Address	13521 NORTHGATE ESTATES DR # 20, COLORADO SPRINGS, CO 80921-7667

Agreement

Amount	Amount on Record

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DOUGLAS NV
Recording Date	May 21, 2020
Property Address	1230 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000946450
Instrument Date	May 18, 2020
Instrument	946450
Transaction Type	Transfer
Record Updated	Jun 4, 2020
Title Company	WESTERN TITLE INSURANCE COMPANY, WESTERN TITLE INC

Transaction

Amount	Amount on Record
Tax	$324.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1625 STATE ROUTE 88 #102 MINDEN NV 894234620, 102, MINDEN, NV 89423-4620

Tax Assessment & Valuation

The 2026 property tax bill for 1230 W Cottage Loop was $4,986, up 6.1% 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	$4,986.00 (+6.09%)	$151,039 (-0.76%) Land $31,500 Building $119,539
2025	$4,700.00 (+3%)	$152,194 (-0.08%) Land $30,800 Building $121,394	$434,840 (-0.08%) Land $88,000 Building $346,840
2024	$4,563.00 (+3%)	$152,311 (+5.68%) Land $30,800 Building $121,511	$435,174 (+5.68%) Land $88,000 Building $347,174
2023	$4,430.00	$144,118 Land $30,800 Building $113,318	$411,766 Land $88,000 Building $323,766
2021			$357,580 Land $70,000 Building $287,580

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 1230 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 1230 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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