Washoe County property record for 12545 Clearwater Dr, Reno, NV 89511
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,156 sqft · built 1977 |
| Lot Size | 0.344 acres (15,028 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Jan 2001) |
| Tax Bill | $2,625 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-162-02 |
| Primary APN | 044-162-02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,156 sqft Living Area |
| 1st Floor Area | 2,156 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 15,028 sqft (0.344 acres) |
| Garage Type | Attached |
| Garage Area | 2,156 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 254 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 84547 |
|---|---|
| Street Address | 12545 CLEARWATER DR |
| City | RENO |
| State | NV |
| Zip | 89511-7786 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDS |
| Legal Description | SPRING VALLEY ESTATES 1 LT 26 |
| Legal Subdivision | SPRING VALLEY ESTATES 1 |
| Legal Lot Number | 26 |
| Jurisdiction | WASHOE NV |
| Township / Civil Division | RENO SOUTHWEST |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 1011 |
Source: Washoe County records, as of January 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 12545 CLEARWATER DR, RENO, NV 89511-7786 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 7, 2017 | Deed of Trust, Mortgage · ARM US BANK NA |
| Apr 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2001 · Amount on Record |
| Deed Sale | Jan 31, 2001 · Amount on Record |
| Prior Sale | Sep 4, 2003 · Amount on Record |
| Deed Document Number | 0002520552 |
| Deed Book / Page | 044 |
| Last Transfer Date | Feb 2, 2009 |
| Transfer Doc | 0003725622 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHOE NV |
| Property Address | 12545 CLEARWATER DR, RENO, NV 89511-7786 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST CENTENNIAL |
| Name | Verified Name |
|---|
| Document Number | 0004761440 |
|---|---|
| Date | Nov 7, 2017 |
| Instrument | 4761440 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Dec 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 2.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHOE NV |
| Property Address | 12545 CLEARWATER DR, RENO, NV 89511-7786 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SIGNATURE TITLE ZEPHYR COVE |
| Name | Verified Name |
|---|
| Document Number | 0005024228 |
|---|---|
| Date | Apr 29, 2020 |
| Instrument | 5024228 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
Source: Washoe County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Nevada |
| County | Washoe County |
| Unified School District | Washoe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,625.00 (+5.89%) | $110,893 (+5.16%) Land $56,140 Building $54,753 | $316,836 (+5.16%) Land $160,400 Building $156,436 |
| 2023 | $2,479.00 | $105,453 Land $47,565 Building $57,888 | $301,295 Land $135,900 Building $165,395 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 17, 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 | 8 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99.8% of Nevada |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TRUCKEE MEADOWS WATER AUTHORITY serves 442,000 people · EPA ID NV0000190 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Net NV Fixed Wireless | 500 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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