2925 Harding Cir, Reno, NV 89503 Property Records

Washoe County property record for 2925 Harding Cir, Reno, NV 89503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,168 sqft · built 1983
Lot Size	0.123 acres (5,346 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,000 (Aug 2002)
Tax Bill	$1,265 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-103-05`

Property Details

APN / Parcel Number

Primary APN	`001-103-05`
Alternative APN	`370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,168 sqft Living Area
Gross Area	1,678 sqft
1st Floor Area	1,168 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	5,346 sqft (0.123 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Concrete/Masonry Porch
Porch Area	60 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2925 HARDING CIR
City	RENO
State	NV
Zip	89503-2158
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF8
Legal Description	SUNBURST LT 12 BLK A
Legal Subdivision	SUNBURST
Legal Block	A
Legal Lot Number	12
Jurisdiction	WASHOE NV
Township / Civil Division	RENO NORTH
Census Block Group	2
Census Block	2004
Census Tract	2401

Owner

Source: Washoe County records, as of April 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2544 E 125TH WAY, THORNTON, CO 80241-2759
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Feb 5, 2020	Quit Claim Deed, Transfer BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2002 · Amount on Record
Deed Sale	Aug 27, 2002 · Amount on Record
Prior Sale	Jul 31, 1996 · Amount on Record
Deed Document Number	20022727520
Last Transfer Date	Feb 3, 2020
Transfer Doc	0004998255
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHOE NV
Property Address	2925 HARDING CIR, RENO, NV 89503-2158
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2544 E 125TH WAY, THORNTON, CO 80241-2759

Mortgage

Document Number	0005609634
Date	Mar 25, 2026
Instrument	5609634

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHOE NV
Recording Date	Feb 5, 2020
Property Address	2925 HARDING CIR, RENO, NV 89503-2158
Document Number	0004998255
Instrument Date	Feb 3, 2020
Instrument	4998255
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	ACME TITLE AND ESCROW SERVICES, ACME TITLE & ESCROW SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2925 HARDING CIR RENO NV 895032158, RENO, NV 89503-2158

Mortgage

Document Number	4998256
Date	Feb 5, 2020
Instrument	4998256

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 4, 2035

Tax Assessment & Valuation

Source: Washoe County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Nevada
County	Washoe County
Municipality	Reno City
Unified School District	Washoe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,079 (-0.6%) Land $38,271 Building $24,808
2025	$1,265.00 (-12.88%)	$63,459 (+1.46%) Land $37,805 Building $25,654	$181,313 (+1.46%) Land $108,015 Building $73,298
2023	$1,452.00	$62,548 Land $37,240 Building $25,308	$178,708 (+49.7%) Land $106,400 Building $72,308
2021			$119,381 Land $57,665 Building $61,716

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 May 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · lower than 66% of Nevada
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	TRUCKEE MEADOWS WATER AUTHORITY serves 442,000 people · EPA ID NV0000190
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 450 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Net NV Fixed Wireless	1,000 / 1,000
Hot Spot Broadband Fixed Wireless	100 / 50
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Tech Stack 4, Verizon.

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