Elko County property record for 338 Flora Dr, Spring Creek, NV 89815
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,226 sqft · built 1997 |
| Lot Size | 1.48 acres (64,469 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $364,000 (Sep 2025) |
| Tax Bill | $2,245 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2023 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-002-015 |
| Primary APN | 041-002-015 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,226 sqft Living Area |
| 1st Floor Area | 2,226 sqft |
| Interior Walls | Unfinished |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 64,469 sqft |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Evaporative |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 338 FLORA DR |
|---|---|
| City | SPRING CREEK |
| State | NV |
| Zip | 89815-5723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | TRACT 106B SPRING CREEK CORPORATION FILE 67522 |
| Legal Subdivision | SPRING CREEK TRACT 106B |
| Legal Tract | 106B |
| Legal Block | 2 |
| Legal Lot Number | 15 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 951403 |
338 Flora Dr is owned and occupied by two individuals who bought it in September 2025.
Source: Elko County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 29, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| May 10, 2023 | Deed of Trust, Mortgage ACADEMY MORTGAGE CORP |
| Jul 26, 2023 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Sep 29, 2025 | Bargain and Sale Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 25, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Nov 25, 2019 | Loan Modification, Mortgage · Conventional Mortgage DITECH FIN'L |
| Jul 25, 2017 | Quit Claim Deed, Transfer STEWART TITLE |
| Jul 25, 2017 | Bargain and Sale Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2025 · Amount on File |
| Deed Sale | Sep 29, 2025 · Amount on File |
| Prior Sale | Jul 25, 2017 · Amount on File |
| Deed Document Number | 2025855213 |
| Prior Transfer Date | Jul 11, 2017 |
| Prior Transfer Doc | 0000728547 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Document Number | 0000786433 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 786433 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 344 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000819130 |
|---|---|
| Date | May 10, 2023 |
| Instrument | 819130 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Document Number | 0000822453 |
|---|---|
| Date | Jul 26, 2023 |
| Instrument | 822453 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92602 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Aug 1, 2063 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Sep 29, 2025 |
| Property Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Document Number | 0000855213 |
| Map Reference | FILE 67522 |
| Instrument Date | Sep 23, 2025 |
| Instrument | 855213 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | UNKNOWN, WFG NEVADA NV |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,419.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Document Number | 0000855214 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 855214 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Document Number | 0000762924 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 338 FLORA DR SPRING CREEK NV 898155723, SPRING CREEK, NV 89815-5723 |
| Document Number | 0000762924 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 762924 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 2401 NW 23RD ST # 1A, OKLAHOMA CITY, OK 73107-2423 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 5, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Document Number | 0000762848 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 338 FLORA DR SPRING CREEK NV 898155723, SPRING CREEK, NV 89815-5723 |
| Document Number | 0000762848 |
|---|---|
| Date | Dec 4, 2019 |
| Instrument | 762848 |
| Name | DITECH FIN'L |
|---|---|
| Address | TEMPE, AZ 85284 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 3, 2049 |
| Rate | 4.37% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jul 25, 2017 |
| Property Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Document Number | 0000728547 |
| Instrument Date | Jul 11, 2017 |
| Instrument | 728547 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2017 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 338 FLORA DR SPRING CREEK NV 898155723, SPRING CREEK, NV 89815-5723 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jul 25, 2017 |
| Property Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Document Number | 0000728546 |
| Map Reference | FILE67522 |
| Instrument Date | Jul 6, 2017 |
| Instrument | 728546 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | STEWART TITLE ELKO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 3385, GILLETTE, WY 82717-3385 |
| Name | Verified Name |
|---|---|
| Address | 338 FLORA DR, SPRING CREEK, NV 89815-5723 |
| Document Number | 0000728548 |
|---|---|
| Date | Jul 25, 2017 |
| Instrument | 728548 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
The 2026 property tax bill for 338 Flora Dr was $2,245, down 2.2% from the year before.
Source: Elko County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Unified School District | Elko County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,245.00 (-2.18%) | $83,773 (-2.18%) Land $14,000 Building $69,773 | $239,351 (-2.18%) Land $40,000 Building $199,351 |
| 2025 | $2,295.00 | $85,642 Land $14,000 Building $71,642 | $244,691 Land $40,000 Building $204,691 |
| 2023 | $1,978.00 (+7.97%) | $79,255 (+15.93%) Land $9,975 Building $69,280 | $226,443 (+15.93%) Land $28,500 Building $197,943 |
| 2022 | $1,832.00 | $68,367 Land $9,975 Building $58,392 | $195,334 Land $28,500 Building $166,834 |
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.
FEMA maps place 338 Flora Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 23, 2023
| 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 risk around 338 Flora Dr is very high, ranking above 94% of the US, with a 2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 94% of the US · above 83% of Nevada |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GREAT BASIN WATER CO SPRING CREEK MHP private · serves 3,640 people · EPA ID NV0005027 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Anthem Broadband of Nevada Fiber | 2,000 / 2,000 |
| White Cloud Communications Fixed Wireless | 200 / 50 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
| Rise Broadband Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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