290 Spear Ct, Fernley, NV 89408 Property Records

Lyon County property record for 290 Spear Ct, Fernley, NV 89408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,241 sqft · built 1985
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$201,000 (Aug 2022)
Tax Bill	$1,157 (2026)
Deeds & Mortgages	Apr 2024 Second Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`020-322-24`

Property Details

APN / Parcel Number

Primary APN	`020-322-24`
Alternative APN	`2032224`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,241 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	10,019 sqft (0.23 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	290 SPEAR CT
City	FERNLEY
State	NV
Zip	89408-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	AKA US BANCORP HOME LOANS
Legal Subdivision	SANDIA 2
Legal Block	C
Legal Lot Number	15
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	290 SPEAR CT, FERNLEY, NV 89408-9618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 8, 2023	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 30, 2022	Bargain and Sale Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Deed Document Number	2022661550
Prior Transfer Date	Jun 4, 2007
Prior Transfer Doc	0000408021
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	290 SPEAR CT, FERNLEY, NV 89408-9618
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2485 VILLAGE VIEW DR 190, 190, HENDERSON, NV 89074-6607

Mortgage

Document Number	0000680516
Date	Apr 11, 2024
Instrument	680516

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2044

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	290 SPEAR CT, FERNLEY, NV 89408-9618
Transaction Type	Mortgage
Record Updated	Jun 21, 2023
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000669525
Date	May 8, 2023
Instrument	669525

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

August 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LYON NV
Recording Date	Aug 30, 2022
Property Address	290 SPEAR CT, FERNLEY, NV 89408-9618
Document Number	0000661550
Map Reference	DOC 64915
Instrument Date	Aug 29, 2022
Instrument	661550
Transaction Type	Transfer
Record Updated	Sep 7, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$783.90
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 SPEAR CT, FERNLEY, NV 89408-9618

Mortgage

Document Number	0000661551
Date	Aug 30, 2022
Instrument	661551

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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	$1,157.00 (-21.61%)	$98,697 (+11.9%) Land $66,500 Building $32,197	$281,992 (+11.9%) Land $190,000 Building $91,992
2023	$1,476.00 (+3.94%)	$88,200 (+2.88%) Land $56,000 Building $32,200	$251,999 (+2.88%) Land $160,000 Building $91,999
2022	$1,420.00	$85,732 Land $56,000 Building $29,732	$244,948 Land $160,000 Building $84,948

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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