Elko County property record for 165 Flora Cir, Spring Creek, NV 89815 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,936 sqft · built 2004 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,000 (Jun 2022) |
| Tax Bill | $2,345 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-001-005 |
| Primary APN | 041-001-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,936 sqft Living Area |
| Gross Area | 2,711 sqft |
| 1st Floor Area | 1,936 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 775 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 93 sqft |
| Patio Area | 93 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 165 FLORA CIR |
|---|---|
| City | SPRING CREEK |
| State | NV |
| Zip | 89815-5123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 106B SPRING CREEK CORPORATION FILE 67522 |
| Legal Subdivision | SPRING CREEK TRACT 106B |
| Legal Tract | 106B |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 951403 |
Source: Elko County records · APN 041-001-005
Assessment roll updated July 30, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 165 FLORA CIR, SPRING CREEK, NV 89815-5123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 07, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ELKO FEDERAL CREDIT UNION |
| Jun 13, 2022 | Bargain and Sale Deed, Transfer · FHA Mortgage MID-AMERICAN MORTGAGE INC |
| Mar 05, 2021 | Bargain and Sale Deed, Transfer · VA Mortgage CMG MORTGAGE INC |
| Jan 20, 2021 | Trustee's Deed, Foreclosure |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 13, 2022 · Amount on Record |
| Deed Sale | Jun 13, 2022 · Amount on Record |
| Prior Sale | Mar 05, 2021 · Amount on Record |
| Deed Document Number | 2022806899 |
| Prior Transfer Date | Sep 10, 2009 |
| Prior Transfer Doc | 0000618054 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jul 07, 2026 |
| Property Address | 165 FLORA CIR, SPRING CREEK, NV 89815-5123 |
| Document Number | 0000866901 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 2026866901 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 165 FLORA CIR, SPRING CREEK, NV 89815-5123 |
| Document Number | 0000866901, |
|---|---|
| Date | Jul 07, 2026 |
| Instrument | 2026866901 |
| Name | ELKO FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 10, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.87% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jun 13, 2022 |
| Property Address | 165 FLORA CIR, SPRING CREEK, NV 89815-5123 |
| Document Number | 0000806899 |
| Map Reference | FILE 67522 |
| Instrument Date | May 10, 2022 |
| Instrument | 806899 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Title Company | WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO OF NV |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,443.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 446 CEDARLAWN DR, 446, SPRING CREEK, NV 89815-6718 |
| Name | Verified Name |
|---|---|
| Address | 165 FLORA CIR, SPRING CREEK, NV 89815-5123 |
| Document Number | 0000806900 |
|---|---|
| Date | Jun 13, 2022 |
| Instrument | 806900 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Mar 05, 2021 |
| Property Address | 165 FLORA CIR, SPRING CREEK, NV 89815-5123 |
| Document Number | 0000783436 |
| Map Reference | FILE 67522 |
| Instrument Date | Mar 04, 2021 |
| Instrument | 783436 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Title Company | STEWART TITLE ELKO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,287.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 988, ELKO, NV 89803-0988 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 165 FLORA CIR, SPRING CREEK, NV 89815-5123 |
| Document Number | 0000783437 |
|---|---|
| Date | Mar 05, 2021 |
| Instrument | 783437 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jan 20, 2021 |
| Property Address | 165 FLORA CIR, SPRING CREEK, NV 89815-5123 |
| Document Number | 0000780970 |
| Map Reference | FILE 67522 |
| Instrument Date | Jan 06, 2021 |
| Instrument | 780970 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $939.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4795 REGENT BLVD, 4795, IRVING, TX 75063-2466 |
| Name | Verified Name |
|---|---|
| Address | 210 AERIE LN, ELKO, NV 89801-8495 |
Source: Elko County records · Assessment roll updated July 30, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Unified School District | Elko County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,345.00 (+2.99%) | $92,791 (+9.71%) Land $14,000 Building $78,791 | $265,117 (+9.71%) Land $40,000 Building $225,117 |
| 2024 | $2,277.00 (+12.28%) | ||
| 2023 | $2,028.00 (+3%) | $84,579 (+15.11%) Land $9,975 Building $74,604 | $241,654 (+15.11%) Land $28,500 Building $213,154 |
| 2022 | $1,969.00 | $73,476 Land $9,975 Building $63,501 | $209,931 Land $28,500 Building $181,431 |
Source: FEMA National Flood Hazard Layer, Elko County (32007C), updated May 23, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Very High above 94% of the US · above 82% of Nevada |
|---|---|
| Wildfire Likelihood | About 1 in 49 per year |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values are read at the parcel center point; lenders make the official flood determination.
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