1231 W Cottage Loop, Gardnerville, NV 89460 Property Records

Douglas County property record for 1231 W Cottage Loop, Gardnerville, NV 89460

Property Summary

Property Type	Single Family Home
Details	1,749 sqft · built 2020
Lot Size	0.108 acres (4,704 sqft)
Owner	2 Trust Names on File
Last Sale	$444,580 (Jul 2020)
Tax Bill	$4,731 (2026)
Deeds & Mortgages	Jul 2021 Transfer Jul 2020 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1220-21-111-083`

Property Details

APN / Parcel Number

Primary APN	`1220-21-111-083`
Alternative APN	`122021111017`

Interior

Stories	1 Story
Building Area	1,749 sqft Living Area
Gross Area	2,154 sqft
1st Floor Area	1,749 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	4,704 sqft (0.108 acres)
Garage Type	Attached
Garage Area	405 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	122021111017
Street Address	1231 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 17
Legal Range	20E
Legal Township	12N
Legal Section	21
Legal Subdivision	COTTAGES AT CV PHASE #1
Legal Block	3
Legal Lot Number	17
Jurisdiction	DOUGLAS NV
Township / Civil Division	GARDNERVILLE-MINDEN
Census Block Group	3
Census Block	3011
Census Tract	1200

Owner

1231 W Cottage Loop is owner-occupied and held in a trust since July 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	1231 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Occupancy	Owner Occupied
Owner Type	Individual
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
Jul 26, 2021	Intrafamily Transfer, Transfer
Jul 30, 2020	Grant Deed, Subdivision Related Transfer WESTERN TITLE COMPANY LLC, WESTERN TITLE CO LLC
Oct 15, 2019	Trustee's Deed, Transfer · Line of Credit ALL PRO FUNDING IV LLC
Jul 17, 2019	Deed of Trust, Mortgage LANDSMITH APPRECIATION FUND LL
May 22, 2019	Deed of Trust, Mortgage MARTIN MILLER FITZGERALD LLC
Feb 28, 2019	Grant Deed, Transfer · Conventional Mortgage LANDSMITH APPRECIATION FUND LL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2020 · Amount on File
Deed Sale	Jul 30, 2020 · Amount on File
Prior Sale	Oct 15, 2019 · Amount on File
Deed Document Number	2020949989
Prior Transfer Date	Jan 5, 2010
Prior Transfer Doc	0000756911
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DOUGLAS NV
Recording Date	Jul 26, 2021
Property Address	1231 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000071463
Map Reference	DOC 2017-900311
Instrument Date	Jun 16, 2021
Instrument	2021-971463
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
Address	1231 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Investor	Possibly a Property Investor

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	DOUGLAS NV
Recording Date	Jul 30, 2020
Property Address	1231 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000949989
Instrument Date	Dec 13, 2019
Instrument	949989
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 13, 2020
Title Company	WESTERN TITLE COMPANY LLC, WESTERN TITLE CO LLC

Transaction

Amount	Amount on Record
Tax	$1,734.00
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	1231 W COTTAGE LOOP GARDNERVILLE NV 89460, GARDNERVILLE, NV 89460

October 2019: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	DOUGLAS NV
Recording Date	Oct 15, 2019
Property Address	1231 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000936701
Instrument Date	Sep 25, 2019
Instrument	936701
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	WESTERN TITLE INSURANCE COMPANY, WESTERN TITLE INC

Transaction

Amount	Amount on Record
Tax	$3,315.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

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
Investor	Possibly a Property Investor

Mortgage

Document Number	936702
Date	Oct 15, 2019
Instrument	936702

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1231 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000932239
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1073 GENOA NV 894111073, GENOA, NV 89411-1073

Mortgage

Document Number	0000932239
Date	Jul 18, 2019
Instrument	932239

Lender

Name	LANDSMITH APPRECIATION FUND LL
Type	Funding / Finance Company
Address	OAKLAND, CA 94603

Agreement

Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	1231 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000935285
Instrument Date	May 22, 2019
Transaction Type	Mortgage
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5270 SAN VICIENTE TER DUBLIN CA 945688707, DUBLIN, CA 94568-8707

Mortgage

Document Number	0000935285
Date	Sep 17, 2019
Instrument	935285

Lender

Name	MARTIN MILLER FITZGERALD LLC
Address	RENO, NV 89521

Agreement

Amount	Amount on Record

Interest

Rate	10%

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DOUGLAS NV
Recording Date	Feb 28, 2019
Property Address	1231 W COTTAGE LOOP, GARDNERVILLE, NV 89460-4400
Document Number	0000926224
Instrument Date	Feb 27, 2019
Instrument	926224
Transaction Type	Transfer
Record Updated	Mar 14, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$552.63
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1227 W COTTAGE LOOP GARDNERVILLE NV 894604400, GARDNERVILLE, NV 89460-4400

Mortgage

Document Number	926225
Date	Feb 28, 2019
Instrument	926225

Lender

Name	LANDSMITH APPRECIATION FUND LL
Type	Funding / Finance Company
Address	REDWOOD CITY, CA 94063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	926226,
Date	Feb 28, 2019
Instrument	926226

Lender

Name	LANDSMITH APPRECIATION FUND LL
Type	Funding / Finance Company
Address	REDWOOD CITY, CA 94063
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1231 W Cottage Loop was $4,731, 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	$4,731.00 (+3%)	$145,700 (-0.94%) Land $31,500 Building $114,200
2025	$4,593.00	$147,089 Land $30,800 Building $116,289	$420,254 Land $88,000 Building $332,254
2023	$4,329.00 (+3%)	$139,455 (+9.57%) Land $30,800 Building $108,655	$398,443 (+9.57%) Land $88,000 Building $310,443
2022	$4,203.00	$127,278 Land $26,950 Building $100,328	$363,651 (+6.65%) Land $77,000 Building $286,651
2021			$340,977 Land $70,000 Building $270,977

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 1231 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 1231 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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