270 Spear Ct, Fernley, NV 89408 Property Records

Lyon County property record for 270 Spear Ct, Fernley, NV 89408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,146 sqft · built 1985
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Sep 2023)
Tax Bill	$1,518 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Dec 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`020-322-22`

Property Details

APN / Parcel Number

Primary APN	`020-322-22`
Alternative APN	`2032222`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,146 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	10,019 sqft (0.23 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	162 sqft
Lawn Sprinklers	Lawn Sprinklers

Location & Zoning

Street Address	270 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 SW4 SW4 FR SW4 SW4: LOT 17 IN BLOCK C OF SANDIA SUBDIVISION NO. 2, AS SHOWN ON THE OFFICIAL MAP RECORDED IN THE COUNTY RECORDERS OFFICE ON SEPTEMBER 11, 1980, AS DOCUMENT NO. 55898, LYON COUNTY RECORDS, AND RECORDED NOVEMBER 30, 1981, AS D
Legal Subdivision	SANDIA 2
Legal Block	C
Legal Lot Number	17
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	270 SPEAR CT, FERNLEY, NV 89408-9618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Bargain and Sale Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC
Dec 31, 2020	Quit Claim Deed, Transfer WESTERN TITLE
Dec 31, 2020	Bargain and Sale Deed, Transfer · FHA Mortgage ISERVE RESIDENTIAL LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Prior Sale	Dec 31, 2020 · Amount on Record
Deed Document Number	2023674408
Prior Transfer Date	Dec 17, 2020
Prior Transfer Doc	0000627804
Record Updated	Sep 20, 2026

September 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LYON NV
Recording Date	Sep 29, 2023
Property Address	270 SPEAR CT, FERNLEY, NV 89408-9618
Document Number	0000674408
Map Reference	DOC 64915
Instrument Date	Sep 26, 2023
Instrument	674408
Transaction Type	Transfer
Record Updated	Oct 16, 2023
Title Company	TICOR TITLE- RENO, TICOR TITLE RENO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,267.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1988 NEUER DR, SPARKS, NV 89436

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	270 SPEAR CT, FERNLEY, NV 89408-9618

Mortgage

Document Number	0000674409
Date	Sep 29, 2023
Instrument	674409

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYON NV
Recording Date	Dec 31, 2020
Property Address	270 SPEAR CT, FERNLEY, NV 89408-9618
Document Number	0000627804
Instrument Date	Dec 17, 2020
Instrument	627804
Transaction Type	Transfer
Record Updated	Jan 13, 2021
Title Company	WESTERN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4828 DEEDEE WAY SPARKS NV 894368656, SPARKS, NV 89436-8656

December 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LYON NV
Recording Date	Dec 31, 2020
Property Address	270 SPEAR CT, FERNLEY, NV 89408-9618
Document Number	0000627805
Map Reference	DOC 64915
Instrument Date	Dec 17, 2020
Instrument	627805
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	ETRCO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$955.55
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4828 DEEDEE WAY, 4828, SPARKS, NV 89436-8656

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	270 SPEAR CT, FERNLEY, NV 89408-9618

Mortgage

Document Number	0000627806
Date	Dec 31, 2020
Instrument	627806

Lender

Name	ISERVE RESIDENTIAL LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$1,518.00 (-6.41%)	$94,548 (+12.44%) Land $66,500 Building $28,048	$270,138 (+12.45%) Land $190,000 Building $80,138
2023	$1,622.00 (+7.42%)	$84,084 (+2.32%) Land $56,000 Building $28,084	$240,239 (+2.32%) Land $160,000 Building $80,239
2022	$1,510.00	$82,176 Land $56,000 Building $26,176	$234,788 Land $160,000 Building $74,788

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.

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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