2181 Mel Dr, Gardnerville, NV 89410 Property Records

Douglas County property record for 2181 Mel Dr, Gardnerville, NV 89410

Property Summary

Property Type	Single Family Home
Details	1,752 sqft · built 1977
Lot Size	2.96 acres (128,938 sqft)
Owner	Individual Name on Record
Last Sale	$775,000 (Jun 2026)
Tax Bill	$2,022 (2026)
Deeds & Mortgages	Sep 2021 Reverse Mortgage Jun 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`1221-06-001-031`

Property Details

APN / Parcel Number

Primary APN	`1221-06-001-031`
Alternative APNs	`000035272080` `35272080` `3527208`

Interior

Stories	1 Story
Building Area	1,752 sqft Living Area
1st Floor Area	1,752 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	128,938 sqft (2.96 acres)
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Old Parcel Number	000035272080
Street Address	2181 MEL DR
City	GARDNERVILLE
State	NV
Zip	89410-6158
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FISH SPRINGS EST LOT 86
Legal Range	21E
Legal Township	12N
Legal Section	06
Legal Subdivision	FISH SPRINGS EST
Legal Block	2
Legal Lot Number	86
Jurisdiction	DOUGLAS NV
Township / Civil Division	GARDNERVILLE-MINDEN
Census Block Group	2
Census Block	2026
Census Tract	2300

Owner

Source: Douglas County records, as of August 21, 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 Record
Mailing Address	2181 MEL DR, GARDNERVILLE, NV 89410-6158
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Reverse Mortgage PREMIUM SECURITY INC
Jun 11, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Jun 11, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Nov 26, 2019	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MTG
Nov 26, 2019	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Jun 20, 2017	Deed of Trust, Mortgage · FHA Mortgage MANN MTG
Jun 20, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on Record
Deed Sale	Jun 11, 2026 · Amount on Record
Prior Sale	Sep 2, 2025 · Amount on Record
Deed Document Number	20261034388
Prior Transfer Date	May 2, 2006
Prior Transfer Doc	0000000057
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	2181 MEL DR, GARDNERVILLE, NV 89410
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2181 MEL DR, GARDNERVILLE, NV 89410

Mortgage

Document Number	0000073827
Date	Sep 10, 2021
Instrument	2021-973827

Lender

Name	PREMIUM SECURITY INC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	886 Months
Due	Jul 1, 2095

Interest

Rate Type	Adjustable Rate
Rate	1.71%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2021
Change Frequency	Monthly
Max Rate At Change	11.7%
Max Rate	11.7%

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	DOUGLAS NV
Recording Date	Jun 11, 2026
Property Address	2181 MEL DR, GARDNERVILLE, NV 89410
Document Number	0001034388
Instrument Date	May 20, 2026
Instrument	20261034388
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305,272.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2181 MEL DR, GARDNERVILLE, NV 89410

Mortgage

Document Number	0001034389,
Date	Jun 11, 2026
Instrument	20261034389

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	DOUGLAS NV
Recording Date	Jun 11, 2026
Property Address	2181 MEL DR, GARDNERVILLE, NV 89410-6158
Document Number	0000034388
Instrument Date	May 20, 2026
Instrument	20261034388
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305,272.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2181 MEL DR, GARDNERVILLE, NV 89410-6158

Mortgage

Document Number	0001034389,
Date	Jun 11, 2026
Instrument	20261034389

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	2181 MEL DR, GARDNERVILLE, NV 89410
Document Number	0000938964
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	CHICAGO TITLE/LAS VEGAS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2181 MEL DR GARDNERVILLE NV 89410, GARDNERVILLE, NV 89410

Mortgage

Document Number	0000938964
Date	Dec 2, 2019
Instrument	938964

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	912 Months
Due	Dec 1, 2095

Interest

Rate Type	Adjustable Rate
Rate	3.79%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	2181 MEL DR, GARDNERVILLE, NV 89410
Document Number	0000938965
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	CHICAGO TITLE/LAS VEGAS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2181 MEL DR GARDNERVILLE NV 89410, GARDNERVILLE, NV 89410

Mortgage

Document Number	0000938965
Date	Dec 2, 2019
Instrument	938965

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	912 Months
Due	Dec 1, 2095

Interest

Rate Type	Adjustable Rate
Rate	3.79%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	2181 MEL DR, GARDNERVILLE, NV 89410
Document Number	0000900552
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Oct 25, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2181 MEL DR GARDNERVILLE NV 89410, GARDNERVILLE, NV 89410

Mortgage

Document Number	0000900552
Date	Jun 26, 2017
Instrument	900552

Lender

Name	MANN MTG
Type	Mortgage Company
Address	KALISPELL, MT 59901

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	936 Months
Due	Jun 25, 2095

Interest

Rate Type	Adjustable Rate
Rate	4.73%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	2181 MEL DR, GARDNERVILLE, NV 89410
Document Number	0000900553
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2181 MEL DR GARDNERVILLE NV 89410, GARDNERVILLE, NV 89410

Mortgage

Document Number	0000900553
Date	Jun 26, 2017
Instrument	900553

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	936 Months
Due	Jun 25, 2095

Interest

Rate Type	Adjustable Rate
Rate	4.73%

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,022.00 (+3.01%)	$90,671 (-2.07%) Land $57,750 Building $32,921
2025	$1,963.00 (+6.05%)	$92,586 (-0.11%) Land $57,750 Building $34,836	$264,531 (-0.11%) Land $165,000 Building $99,531
2023	$1,851.00	$92,689 Land $57,750 Building $34,939	$264,826 (+26.7%) Land $165,000 Building $99,826
2021			$209,014 Land $115,000 Building $94,014

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 September 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	11 (1995–2014)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Aug 2014 · other causes

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	Very High above 94% of the US · above 84% of Nevada
Wildfire Likelihood	1% 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 28 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
Hot Spot Broadband Fixed Wireless	100 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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