1945 Saddleback Rd, Reno, NV 89521 Property Records

Storey County property record for 1945 Saddleback Rd, Reno, NV 89521

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,654 sqft · built 1989
Lot Size	2.03 acres (88,427 sqft)
Owner	2 Company Names on Record
Last Sale	$363,500 (May 2018)
Tax Bill	$2,061 (2025)
Deeds & Mortgages	Nov 2025 Transfer Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`003-101-60`

Property Details

APN / Parcel Number

Primary APN	`003-101-60`
Alternative APN	`310-151-52`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,654 sqft Living Area
Gross Area	2,159 sqft
1st Floor Area	1,654 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	88,427 sqft
Garage Type	Attached
Garage Area	505 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	152 sqft
Patio Area	594 sqft
Shed	1 Shed
Shed Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1945 SADDLEBACK RD
City	RENO
State	NV
Zip	89521-7472
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E1VCH
Legal Description	PARCEL MAP ID : LOT : BLOCK : VCH M-302,303 TOWN : VC HIGHLANDS
Legal Range	21E
Legal Township	17N
Legal Section	05
Legal Subdivision	VIRGINIA CITY HIGHLANDS
Legal Block	2
Legal Lot Number	302-3
Legal Unit	1
Jurisdiction	STOREY NV
Township / Civil Division	VIRGINIA CITY
Census Block Group	2
Census Block	2042
Census Tract	970200

Owner

Source: Storey County records, as of August 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 19713, RENO, NV 89511-2415
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Intrafamily Transfer, Transfer
Apr 24, 2020	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
May 10, 2018	Bargain and Sale Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2018 · Amount on Record
Deed Sale	May 10, 2018 · Amount on Record
Deed Document Number	2018127735
Prior Transfer Date	Apr 11, 2011
Prior Transfer Doc	0000114867
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STOREY NV
Recording Date	Nov 20, 2025
Property Address	1945 SADDLEBACK RD, VC HIGHLANDS, NV 89521-7472
Document Number	0000142053
Map Reference	FILE 35070
Instrument Date	Oct 30, 2025
Instrument	142053
Transaction Type	Transfer
Record Updated	Dec 16, 2025

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	PO BOX 19713, RENO, NV 89511-2415

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOREY NV
Property Address	1945 SADDLEBACK RD, RENO, NV 89521-7472
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000131580
Date	Apr 24, 2020
Instrument	131580

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

May 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	STOREY NV
Recording Date	May 10, 2018
Property Address	1945 SADDLEBACK RD, RENO, NV 89521-7472
Document Number	0000127735
Map Reference	FILE35070
Instrument Date	May 8, 2018
Instrument	127735
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	WESTERN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,417.65
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34152 SELVA RD UNIT 172, 34152, DANA POINT, CA 92629-3778

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 19713, RENO, NV 89511-2415

Mortgage

Document Number	0000127736
Date	May 10, 2018
Instrument	127736

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Storey County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Nevada
County	Storey County
Unified School District	Storey County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$61,484 (+0.1%) Land $13,598 Building $47,886	$175,667 (+0.1%) Land $38,850 Building $136,817
2025	$2,061.00 (+8.02%)	$61,424 (+4.36%) Land $13,598 Building $47,826	$175,495 (+4.36%) Land $38,850 Building $136,645
2024	$1,908.00 (+7.98%)
2023	$1,767.00 (+3.03%)	$58,860 (+14.55%) Land $12,250 Building $46,610	$168,170 (+14.55%) Land $35,000 Building $133,170
2022	$1,715.00	$51,383 Land $12,250 Building $39,133	$146,808 Land $35,000 Building $111,808

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2023 · 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 9 (5% premium discount)
Nearby Flood Policies	1 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

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

Wildfire Risk	Extreme above 99.1% of the US · above 96% of Nevada
Wildfire Likelihood	3% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	200 / 30
Hot Spot Broadband Fixed Wireless	100 / 50
Northern Nevada High Speed Internet Fixed Wireless	100 / 25
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Net NV.

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