295 E Main St, Fernley, NV 89408 Property Records

Lyon County property record for 295 E Main St, Fernley, NV 89408

Property Summary

Property Type	Commercial
Details	8,100 sqft · built 2014
Lot Size	0.849 acres (36,982 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Mar 2014)
Tax Bill	$15,780 (2026)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`020-041-65`

Property Details

APN / Parcel Number

Primary APN	`020-041-65`
Alternative APN	`020-041-60`

Interior

Building Area	8,100 sqft Gross Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	36,982 sqft (0.849 acres)

Location & Zoning

Street Address	295 E MAIN ST
City	FERNLEY
State	NV
Zip	89408-7655
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C1
Legal Description	FAMILY DOLLAR
Legal Subdivision	516830, SURVEY MAP
Legal Block	1
Jurisdiction	LYON NV
Township / Civil Division	FERNLEY
Census Block Group	1
Census Block	1000
Census Tract	960104

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	Company Name on Record
Mailing Address	90 S SHERWOOD DR, PROVIDENCE, UT 84332-9686
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2014 · Amount on Record
Deed Sale	Mar 17, 2014 · Amount on Record
Prior Sale	Nov 19, 2013 · Amount on Record
Deed Document Number	2014519121
Prior Transfer Date	Nov 14, 2013
Prior Transfer Doc	0000515076
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Recording Date	May 28, 2026
Property Address	295 E MAIN ST, FERNLEY, NV 89408-7655
Document Number	0000708756
Instrument Date	May 21, 2026
Instrument	2026708756
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	295 E MAIN ST, FERNLEY, NV 89408-7655

Mortgage

Document Number	0000708756,
Date	May 28, 2026
Instrument	2026708756

Lender

Name	BANK OF COMMERCE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 12, 2036

Interest

Rate	6.23%
Max Rate	-1%

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	$15,780.00 (+10.45%)	$416,246 (-0.91%) Land $181,148 Building $235,098	$1,189,274 (-0.91%) Land $517,566 Building $671,708
2025		$420,074 (+5.74%) Land $181,148 Building $238,925	$1,200,210 (+5.74%) Land $517,566 Building $682,644
2023	$14,287.00 (+8.44%)	$397,258 (+8.16%) Land $181,148 Building $216,110	$1,135,022 (+8.16%) Land $517,566 Building $617,456
2022	$13,175.00	$367,294 Land $181,148 Building $186,146	$1,049,412 Land $517,566 Building $531,846

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	0.01% annual chance
Exposure	None beyond 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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	200 / 30
Choice Broadband Fixed Wireless	100 / 25