Lyon County property record for 190 E Cedar St, Fernley, NV 89408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,161 sqft · built 1965 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Oct 2025) |
| Tax Bill | $1,006 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 020-041-19 |
| Primary APN | 020-041-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,161 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Carport |
| Garage Area | 204 sqft |
| Carport | Carport |
| Carport Area | 204 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 190 E CEDAR ST |
|---|---|
| City | FERNLEY |
| State | NV |
| Zip | 89408-8508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF6 |
| Legal Description | 14-20-24 FR NE4 |
| Legal Subdivision | LUCKY BEE |
| Legal Block | A |
| Legal Lot Number | 14 |
| Jurisdiction | LYON NV |
| Township / Civil Division | FERNLEY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 960104 |
Source: Lyon County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 190 E CEDAR ST, FERNLEY, NV 89408-8508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Deed of Trust, Mortgage | |
| Oct 9, 2025 | Bargain and Sale Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP |
| Mar 2, 2021 | Bargain and Sale Deed, Transfer · FHA Mortgage ISERVE RESIDENTIAL LENDING LLC |
| Sep 24, 2020 | Grant Deed, Transfer WESTERN TITLE COMPANY LLC, WESTERN TITLE CO LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2025 · Amount on Record |
| Deed Sale | Oct 9, 2025 · Amount on Record |
| Prior Sale | Mar 2, 2021 · Amount on Record |
| Deed Document Number | 2025699776 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 190 E CEDAR ST, FERNLEY, NV 89408-8508 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 190 E CEDAR ST, FERNLEY, NV 89408-8508 |
| Document Number | 0000671970 |
|---|---|
| Date | Jul 20, 2023 |
| Instrument | 671970 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 190 E CEDAR ST, FERNLEY, NV 89408-8508 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | LYON NV |
| Recording Date | Oct 9, 2025 |
| Property Address | 190 E CEDAR ST, FERNLEY, NV 89408-8508 |
| Document Number | 0000699776 |
| Map Reference | DOC 87896 |
| Instrument Date | Oct 2, 2025 |
| Instrument | 699776 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | TICOR TITLE OF NEVADA INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,209.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1780 BURNSIDE DR, SPARKS, NV 89434-0786 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 190 E CEDAR ST, FERNLEY, NV 89408-8508 |
| Document Number | 0000699777 |
|---|---|
| Date | Oct 9, 2025 |
| Instrument | 699777 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Number | 0000699778 |
|---|---|
| Date | Oct 9, 2025 |
| Instrument | 699778 |
| Name | NEVADA HOUSING DIVISION |
|---|---|
| Type | Government Agency |
| Address | CARSON CITY, NV 89706 |
| Amount | Amount Recorded |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | LYON NV |
| Recording Date | Mar 2, 2021 |
| Property Address | 190 E CEDAR ST, FERNLEY, NV 89408-8508 |
| Document Number | 0000632113 |
| Instrument Date | Mar 1, 2021 |
| Instrument | 632113 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | ETRCO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $936.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1914 KIRBY CT, 1914, SPARKS, NV 89434-2652 |
| Name | Verified Name |
|---|---|
| Address | 190 E CEDAR ST, FERNLEY, NV 89408-8508 |
| Document Number | 0000632114 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | 632114 |
| Name | ISERVE RESIDENTIAL LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Number | 0000632115 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | 632115 |
| Name | NEVADA RURAL HOUSING AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CARSON CITY, NV 89701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LYON NV |
| Recording Date | Sep 24, 2020 |
| Property Address | 190 E CEDAR ST, FERNLEY, NV 89408-8508 |
| Document Number | 0000622129 |
| Instrument Date | Sep 16, 2020 |
| Instrument | 622129 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2020 |
| Title Company | WESTERN TITLE COMPANY LLC, WESTERN TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $538.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1914 KIRBY CT SPARKS NV 894342652, SPARKS, NV 89434-2652 |
| Investor | Possibly a Property Investor |
Source: Lyon County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Lyon County |
| Municipality | Fernley City |
| Unified School District | Lyon County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,006.00 (+7.82%) | $73,866 (+10.51%) Land $57,750 Building $16,116 | $211,047 (+10.51%) Land $165,000 Building $46,047 |
| 2025 | $933.00 (-23.34%) | $66,844 (+2.06%) Land $50,750 Building $16,094 | $190,983 (+2.06%) Land $145,000 Building $45,983 |
| 2023 | $1,217.00 (+6.57%) | $65,492 (+2.06%) Land $50,750 Building $14,742 | $187,120 (+2.07%) Land $145,000 Building $42,120 |
| 2022 | $1,142.00 | $64,167 Land $50,750 Building $13,417 | $183,333 Land $145,000 Building $38,333 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Nevada |
|---|---|
| Wildfire Likelihood | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 298 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Tristate Wi-Fi by Wi-Fiber Fixed Wireless | 200 / 30 |
| Choice Broadband Fixed Wireless | 100 / 25 |
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