1280 Rancho Rd, Fernley, NV 89408 Property Records

Lyon County property record for 1280 Rancho Rd, Fernley, NV 89408

Property Summary

Property Type	Mobile Home
Details	1,680 sqft · built 2020
Lot Size	4.91 acres (214,315 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Nov 2018)
Tax Bill	$4,283 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`020-361-06`

Property Details

APN / Parcel Number

Primary APN	`020-361-06`
Alternative APN	`2036106`

Interior

Building Area	1,680 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Lot Area	214,315 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1280 RANCHO RD
City	FERNLEY
State	NV
Zip	89408-9218
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RR5
Legal Description	19-20-25 FR SW4 SW4
Legal Subdivision	FERNLEY RANCHOS
Legal Block	3
Legal Lot Number	7
Jurisdiction	LYON NV
Township / Civil Division	FERNLEY
Census Block Group	3
Census Block	3000
Census Tract	960106

Owner

1280 Rancho Rd, a mobile home, is owned and occupied by an individual who bought it in November 2018.

Source: Lyon County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	1280 RANCHO RD, FERNLEY, NV 89408-9218
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jan 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Nov 15, 2018	Grant Deed, Transfer · Conventional with PMI JACK FAMILY LIVING TRUST (RT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2018 · Amount on File
Deed Sale	Nov 15, 2018 · Amount on File
Deed Document Number	2018588805
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	1280 RANCHO RD, FERNLEY, NV 89408-9218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE FERNLEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000623325
Date	Oct 14, 2020
Instrument	623325

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	1280 RANCHO RD, FERNLEY, NV 89408-9218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE SPARKS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000609639
Date	Jan 22, 2020
Instrument	609639

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LYON NV
Recording Date	Nov 15, 2018
Property Address	1280 RANCHO RD, FERNLEY, NV 89408-9218
Document Number	0000588805
Instrument Date	Nov 14, 2018
Instrument	588805
Transaction Type	Transfer
Record Updated	Dec 5, 2018
Title Company	TICOR TITLE-FERNLEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$682.50
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	1280 RANCHO RD FERNLEY NV 894089218, FERNLEY, NV 89408-9218

Mortgage

Document Number	588806
Date	Nov 15, 2018
Instrument	588806

Lender

Name	JACK FAMILY LIVING TRUST (RT)
Address	10433 PHEASANT LN, NAMPA, ID 83686-9188

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1280 Rancho Rd was $4,283.

Source: Lyon County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Nevada
County	Lyon County
Municipality	Fernley City
Unified School District	Lyon County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,283.00	$160,810 Land $80,500 Building $80,310	$459,458 Land $230,000 Building $229,458
2023	$3,879.00 (+4.84%)	$152,760 (+5.27%) Land $77,000 Building $75,760	$436,457 (+5.27%) Land $220,000 Building $216,457
2022	$3,700.00	$145,106 Land $77,000 Building $68,106	$414,588 Land $220,000 Building $194,588

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

Flood

FEMA maps place 1280 Rancho Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026

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 1280 Rancho Rd is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 75% of Nevada
Wildfire Likelihood	0.08% 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	FERNLEY PUBLIC WORKS serves 23,064 people · EPA ID NV0000062
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	200 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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