Elko County property record for 231 Flora Dr, Spring Creek, NV 89815
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,104 sqft · built 1990 |
| Lot Size | 2.1 acres (91,476 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $190,000 (Apr 2008) |
| Tax Bill | $1,610 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage Jan 2022 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 052-014-013 |
| Primary APN | 052-014-013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| Gross Area | 2,688 sqft |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 91,476 sqft |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 200 sqft |
|---|---|
| Patio Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 231 FLORA DR |
|---|---|
| City | SPRING CREEK |
| State | NV |
| Zip | 89815-5126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | TRACT 102 SPRING CREEK CORPORATION FILE 60405 |
| Legal Subdivision | SPRING CREEK TRACT 102 |
| Legal Tract | 102 |
| Legal Block | 14 |
| Legal Lot Number | 13 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 951403 |
Source: Elko County records, as of September 29, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 231 FLORA DR, SPRING CREEK, NV 89815-5126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 11, 2022 | Deed of Trust, Mortgage · Construction Mortgage ELKO FCU |
| Aug 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Oct 26, 2017 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 10, 2008 · Amount on Record |
| Deed Sale | Apr 10, 2008 · Amount on Record |
| Deed Document Number | 2008593968 |
| Last Transfer Date | Jun 10, 2014 |
| Transfer Doc | 0000690002 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 231 FLORA DR, SPRING CREEK, NV 89815-5126 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Title Company | ORTRIS |
| Name | Verified Name |
|---|
| Document Number | 0000807314 |
|---|---|
| Date | Jun 23, 2022 |
| Instrument | 807314 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 231 FLORA DR, SPRING CREEK, NV 89815-5126 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Title Company | WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO OF NV |
| Name | Verified Name |
|---|
| Document Number | 0000800102 |
|---|---|
| Date | Jan 11, 2022 |
| Instrument | 800102 |
| Name | ELKO FCU |
|---|---|
| Type | Credit Union |
| Address | 89601 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 231 FLORA DR, SPRING CREEK, NV 89815-5126 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000792860 |
|---|---|
| Date | Aug 9, 2021 |
| Instrument | 792860 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 231 FLORA DR, SPRING CREEK, NV 89815-5126 |
| Document Number | 0000732758 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Address | 231 FLORA DR SPRING CREEK NV 898155126, SPRING CREEK, NV 89815-5126 |
| Document Number | 0000732758 |
|---|---|
| Date | Nov 8, 2017 |
| Instrument | 732758 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 7, 2047 |
Source: Elko County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Unified School District | Elko County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,610.00 (-2.25%) | $60,036 (-2.32%) Land $14,000 Building $46,036 | $171,531 (-2.32%) Land $40,000 Building $131,531 |
| 2025 | $1,647.00 (+28.97%) | $61,459 (+23.27%) Land $14,000 Building $47,459 | $175,597 (+23.27%) Land $40,000 Building $135,597 |
| 2023 | $1,277.00 (+7.95%) | $49,858 (+13.02%) Land $9,975 Building $39,883 | $142,451 (+13.02%) Land $28,500 Building $113,951 |
| 2022 | $1,183.00 | $44,114 Land $9,975 Building $34,139 | $126,040 Land $28,500 Building $97,540 |
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 May 23, 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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 98.7% of the US · above 95% of Nevada |
|---|---|
| Wildfire Likelihood | 4% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GREAT BASIN WATER CO SPRING CREEK MHP private · serves 3,640 people · EPA ID NV0005027 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Anthem Broadband of Nevada Fiber | 2,000 / 2,000 |
| White Cloud Communications Fixed Wireless | 200 / 50 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
| Rise Broadband Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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