362 Flora Dr, Spring Creek, NV 89815 Property Records

Elko County property record for 362 Flora Dr, Spring Creek, NV 89815

Property Summary

Property Type	Single Family Home
Details	1,792 sqft · built 1997
Lot Size	1.06 acres (46,609 sqft)
Owner	Individual Name on File
Last Sale	$269,000 (Jun 2020)
Tax Bill	$2,119 (2026)
Deeds & Mortgages	Sep 2026 Mortgage May 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041-002-018`

Property Details

APN / Parcel Number

Primary APN	`041-002-018`

Interior

Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,792 sqft Living Area
Gross Area	3,064 sqft
1st Floor Area	1,792 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	46,609 sqft
Garage Type	Attached
Garage Area	1,272 sqft
Parking Spaces	7 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	362 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	18
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1004
Census Tract	951403

Owner

362 Flora Dr is owned and occupied by an individual who bought it in June 2020.

Source: Elko County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	362 FLORA DR, SPRING CREEK, NV 89815-5723
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
May 3, 2024	Deed of Trust, Mortgage ELKO FCU
Jun 22, 2020	Bargain and Sale Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Jun 28, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2020 · Amount on File
Deed Sale	Jun 22, 2020 · Amount on File
Prior Sale	Jun 28, 2019 · Amount on File
Deed Document Number	2020770073
Prior Transfer Date	Feb 23, 2005
Prior Transfer Doc	0000531041
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Recording Date	Sep 23, 2026
Property Address	362 FLORA DR, SPRING CREEK, NV 89815-5723
Document Number	0000870001
Instrument Date	Aug 1, 2026
Instrument	2026870001
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 FLORA DR, SPRING CREEK, NV 89815-5723

Mortgage

Document Number	0000870001,
Date	Sep 23, 2026
Instrument	2026870001

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	286 Months
Due	Jul 1, 2050

Interest

Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	362 FLORA DR, SPRING CREEK, NV 89815-5723
Transaction Type	Mortgage
Record Updated	May 20, 2024
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 FLORA DR, SPRING CREEK, NV 89815-5723

Mortgage

Document Number	0000836180
Date	May 3, 2024
Instrument	836180

Lender

Name	ELKO FCU
Type	Credit Union
Address	ELKO, NV 89801

Agreement

Amount	Amount on Record
Term	120 Months
Due	May 1, 2034

June 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jun 22, 2020
Property Address	362 FLORA DR, SPRING CREEK, NV 89815-5723
Document Number	0000770073
Map Reference	FILE 67522
Instrument Date	Jun 19, 2020
Instrument	770073
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,049.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 FLORA DR, SPRING CREEK, NV 89815-5723

Mortgage

Document Number	0000770074
Date	Jun 22, 2020
Instrument	770074

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Mortgage

Document Number	0000770075
Date	Jun 22, 2020
Instrument	770075

Lender

Name	NEVADA RURAL HUSING AUTHORITY
Type	Government Agency
Address	CARSON CITY, NV 89701

Agreement

Amount	Amount on Record

June 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jun 28, 2019
Property Address	362 FLORA DR, SPRING CREEK, NV 89815-5723
Document Number	0000756090
Map Reference	FILE 67522
Instrument Date	Jun 25, 2019
Instrument	756090
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8022 2200 RD, 8022, DELTA, CO 81416-8398

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	362 FIONA DRIVE, SPRING CREEK, NV 89815

Mortgage

Document Number	0000756091
Date	Jun 28, 2019
Instrument	756091

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 362 Flora Dr was $2,119, down 2.3% from the year before.

Source: Elko County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Nevada
County	Elko County
Unified School District	Elko County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,119.00 (-2.26%)	$79,081 (-2.26%) Land $14,000 Building $65,081	$225,946 (-2.26%) Land $40,000 Building $185,946
2025	$2,168.00	$80,908 Land $14,000 Building $66,908	$231,166 Land $40,000 Building $191,166
2023	$1,863.00 (+8%)	$73,688 (+14.47%) Land $9,975 Building $63,713	$210,537 (+14.47%) Land $28,500 Building $182,037
2022	$1,725.00	$64,372 Land $9,975 Building $54,397	$183,920 Land $28,500 Building $155,420

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

FEMA maps place 362 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

Wildfire risk around 362 Flora Dr is very high, ranking above 93% 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 93% of the US · above 81% 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.

Drinking Water

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

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 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

May also be available: T-Mobile.

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