285 Spear Ct, Fernley, NV 89408 Property Records

Lyon County property record for 285 Spear Ct, Fernley, NV 89408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,773 sqft · built 1985
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Tax Bill	$1,401 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Feb 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`020-322-16`

Property Details

APN / Parcel Number

Primary APN	`020-322-16`
Alternative APN	`2032216`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,773 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1988
Lot Area	10,019 sqft (0.23 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	191 sqft
Patio Area	382 sqft

Location & Zoning

Street Address	285 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
Legal Subdivision	SANDIA 2
Legal Block	C
Legal Lot Number	23
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	285 SPEAR CT, FERNLEY, NV 89408-9618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2018	Deed of Trust, Mortgage · ARM GREATER NEVADA LLC
Feb 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 19, 2019
Transfer Doc	0000611558
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	285 SPEAR CT, FERNLEY, NV 89408-9618
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST CENTENNIAL RENO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000588133
Date	Oct 30, 2018
Instrument	588133

Lender

Name	GREATER NEVADA LLC
Type	Non-Lending Institution
Address	CARSON CITY, NV 89701

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	6.37%
Index	5-Year CMT
Margin	2
Max Rate	9.37%

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYON NV
Recording Date	Feb 28, 2020
Property Address	285 SPEAR CT, FERNLEY, NV 89408-9618
Document Number	0000611557
Instrument Date	Nov 19, 2019
Instrument	611557
Transaction Type	Transfer
Record Updated	Mar 16, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 SPEAR CT FERNLEY NV 894089618, FERNLEY, NV 89408-9618

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	$1,401.00 (-17.54%)	$108,526 (+11.03%) Land $66,500 Building $42,026	$310,073 (+11.03%) Land $190,000 Building $120,073
2023	$1,699.00 (+4.11%)	$97,743 (+2.76%) Land $56,000 Building $41,743	$279,266 (+2.76%) Land $160,000 Building $119,266
2022	$1,632.00	$95,114 Land $56,000 Building $39,114	$271,755 Land $160,000 Building $111,755

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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