Lyon County property record for 27 Garms Cir, Smith, NV 89430
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,834 sqft · built 2000 |
| Lot Size | 6.28 acres (273,992 sqft) |
| Owner | Individual Name on File |
| Last Sale | $486,000 (Sep 2018) |
| Tax Bill | $5,560 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Jul 2019 Mortgage + 2 more |
| Flood Zone | Zone D (undetermined) |
| APN | 009-122-08 |
| Primary APN | 009-122-08 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,834 sqft Living Area |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Lot Area | 273,992 sqft |
| Garage Area | 908 sqft |
| Parking Spaces | 4 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 1,320 sqft |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Street Address | 27 GARMS CIR |
|---|---|
| City | SMITH |
| State | NV |
| Zip | 89430-9400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | CREATED FROM SPLIT OF PARCEL # 010-481-04 PRIMARY NEW PARCEL IS PARCEL # 009-121-01 |
| Legal Subdivision | GARMS ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | LYON NV |
| Township / Civil Division | SMITH VALLEY |
| Census Block Group | 1 |
| Census Block | 1187 |
| Census Tract | 960802 |
Source: Lyon County assessment roll, 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 File |
|---|---|
| Mailing Address | 27 GARMS CIR, SMITH, NV 89430-9400 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 13, 2021 | Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION |
| Jul 10, 2019 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 28, 2018 | Bargain and Sale Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 7, 2017 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 28, 2018 · Amount on Record |
| Deed Sale | Sep 28, 2018 · Amount on Record |
| Prior Sale | Jun 8, 2012 · Amount on Record |
| Deed Document Number | 2018586930 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 27 GARMS CIR, SMITH, NV 89430-9400 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2021 |
| Title Company | FIRST CENTENNIAL RENO |
| Name | Verified Name |
|---|
| Document Number | 0000628452 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 628452 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 27 GARMS CIR, SMITH, NV 89430-9400 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000598715 |
|---|---|
| Date | Jul 10, 2019 |
| Instrument | 598715 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | LYON NV |
| Recording Date | Sep 28, 2018 |
| Property Address | 27 GARMS CIR, SMITH, NV 89430-9400 |
| Document Number | 0000586930 |
| Map Reference | DOC168473 |
| Instrument Date | Sep 27, 2018 |
| Instrument | 586930 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | WESTERN TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,895.40 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 50 MILLER RIDGE RD, 50, WELLINGTON, NV 89444-9519 |
| Name | Verified Name |
|---|---|
| Address | 27 GARMS CIRCIE VLY, SMITH, NV 89430 |
| Document Number | 0000586931 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 586931 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 27 GARMS CIR, SMITH, NV 89430-9400 |
| Document Number | 0000567246 |
| Instrument Date | Jul 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2017 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 27 GARMS CIR SMITH NV 894309400, SMITH, NV 89430-9400 |
| Document Number | 0000567246 |
|---|---|
| Date | Jul 12, 2017 |
| Instrument | 567246 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 11, 2047 |
Source: Lyon County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Lyon County |
| Unified School District | Lyon County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,560.00 (+20.87%) | $156,480 (-7.28%) Land $50,750 Building $105,730 | $447,087 (-7.28%) Land $145,000 Building $302,087 |
| 2023 | $4,600.00 (+8.29%) | $168,762 (+18.83%) Land $66,500 Building $102,262 | $482,177 (+18.83%) Land $190,000 Building $292,177 |
| 2022 | $4,248.00 | $142,021 Land $48,125 Building $93,896 | $405,773 Land $137,500 Building $268,273 |
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 April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone D undetermined · not studied |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 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 | High above 88% of the US · above 70% of Nevada |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Wi-Fiber Fixed Wireless | 100 / 20 |
| Frontier DSL | 45 / 3 |
| Northern Nevada High Speed Fixed Wireless | 25 / 10 |
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