265 Spear Ct, Fernley, NV 89408 Property Records

Lyon County property record for 265 Spear Ct, Fernley, NV 89408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1982
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$46,000 (Dec 2009)
Tax Bill	$953 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`020-322-18`

Property Details

APN / Parcel Number

Primary APN	`020-322-18`
Alternative APN	`2032218`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,200 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	8,712 sqft (0.2 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft

Location & Zoning

Street Address	265 SPEAR CT
City	FERNLEY
State	NV
Zip	89408-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	7-20-25 FR SW4SW4
Legal Subdivision	SANDIA 2
Legal Block	C
Legal Lot Number	21
Jurisdiction	LYON NV
Township / Civil Division	FERNLEY
Census Block Group	1
Census Block	1036
Census Tract	960103

Owner

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	Individual Name on Record
Mailing Address	265 SPEAR CT, FERNLEY, NV 89408-9618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Deed of Trust, Mortgage · Unknown BANK OF AMERICA NA
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2009 · Amount on Record
Deed Sale	Dec 17, 2009 · Amount on Record
Prior Sale	Jul 7, 2009 · Amount on Record
Deed Document Number	2009452385
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	265 SPEAR CT, FERNLEY, NV 89408-9618
Transaction Type	Mortgage
Record Updated	Feb 10, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000666119
Date	Jan 18, 2023
Instrument	666119

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Unknown
Amount	Amount Recorded
Term	359 Months
Due	Dec 23, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	265 SPEAR CT, FERNLEY, NV 89408-9618
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICE RESWARES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000643848
Date	Sep 2, 2021
Instrument	643848

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

Source: Lyon County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Nevada
County	Lyon County
Municipality	Fernley City
Unified School District	Lyon County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$953.00 (-26.12%)	$89,145 (+12.86%) Land $66,500 Building $22,645	$254,700 (+12.86%) Land $190,000 Building $64,700
2023	$1,290.00 (+3.86%)	$78,986 (+1.72%) Land $56,000 Building $22,986	$225,674 (+1.72%) Land $160,000 Building $65,674
2022	$1,242.00	$77,651 Land $56,000 Building $21,651	$221,860 Land $160,000 Building $61,860

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	0.02% annual chance
Exposure	Indirect within ember reach

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 261 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
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	200 / 30

May also be available: Choice Broadband.

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