Lyon County property record for 195 E Cedar St, Fernley, NV 89408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,196 sqft · built 1971 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $11,500 (Dec 2021) |
| Tax Bill | $860 (2026) |
| Deeds & Mortgages | Apr 2019 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 020-061-15 |
| Primary APN | 020-061-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 195 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 | B |
| Legal Lot Number | 15 |
| Jurisdiction | LYON NV |
| Township / Civil Division | FERNLEY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 960104 |
195 E Cedar St is owned by two individuals who bought it in December 2021.
Source: Lyon County records, as of August 18, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 413, WADSWORTH, NV 89442-0413 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Dec 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2021 · Amount on File |
| Deed Sale | Dec 3, 2021 · Amount on File |
| Prior Sale | Dec 19, 2014 · Amount on File |
| Deed Document Number | 2021649233 |
| Prior Transfer Date | Nov 27, 2021 |
| Prior Transfer Doc | 0000649233 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 195 E CEDAR ST, FERNLEY, NV 89408-8508 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000594078 |
|---|---|
| Date | Apr 3, 2019 |
| Instrument | 594078 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 195 E CEDAR ST, FERNLEY, NV 89408-8508 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | ETRCO |
| Name | Verified Name |
|---|
| Document Number | 0000626708 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 626708 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2026 property tax bill for 195 E Cedar St was $860.
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 | $860.00 | $75,044 Land $57,750 Building $17,294 | $214,412 Land $165,000 Building $49,412 |
| 2023 | $1,204.00 (+3.44%) | $66,251 (+2.29%) Land $50,750 Building $15,501 | $189,289 (+2.29%) Land $145,000 Building $44,289 |
| 2022 | $1,164.00 | $64,770 Land $50,750 Building $14,020 | $185,058 Land $145,000 Building $40,058 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 E Cedar St 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 risk around 195 E Cedar St is low, with a 0.01% annual chance of wildfire.
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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