385 Shadow Ln, Fernley, NV 89408 Property Records

Lyon County property record for 385 Shadow Ln, Fernley, NV 89408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,415 sqft · built 1978
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Company Names on Record
Last Sale	$305,000 (Apr 2024)
Tax Bill	$1,752 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`020-195-02`

Property Details

APN / Parcel Number

Primary APN	`020-195-02`
Alternative APN	`2019502`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,415 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	7,841 sqft (0.18 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	385 SHADOW LN
City	FERNLEY
State	NV
Zip	89408-8502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	13-20-24 FRN2NW4SW4
Legal Subdivision	COUNTRYSIDE 1
Legal Block	D
Legal Lot Number	71
Jurisdiction	LYON NV
Township / Civil Division	FERNLEY
Census Block Group	1
Census Block	1006
Census Tract	960105

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	2 Company Names on Record
Mailing Address	385 SHADOW LN, FERNLEY, NV 89408-8502
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Apr 9, 2024	Bargain and Sale Deed, Transfer · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO
Jan 22, 2020	Bargain and Sale Deed, Transfer · Conventional Mortgage GREATER NEVADA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2024 · Amount on Record
Deed Sale	Apr 9, 2024 · Amount on Record
Prior Sale	Jan 22, 2020 · Amount on Record
Deed Document Number	2024680449
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	385 SHADOW LN, FERNLEY, NV 89408-8502
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 SHADOW LN, FERNLEY, NV 89408-8502

Mortgage

Document Number	0000698483
Date	Sep 3, 2025
Instrument	698483

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

April 2024: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LYON NV
Recording Date	Apr 9, 2024
Property Address	385 SHADOW LN, FERNLEY, NV 89408-8502
Document Number	0000680449
Map Reference	DOC 38222
Instrument Date	Mar 13, 2024
Instrument	680449
Transaction Type	Transfer
Record Updated	May 13, 2024
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,189.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	385 SHADOW LN, FERNLEY, NV 89408-8502

Mortgage

Document Number	0000680450
Date	Apr 9, 2024
Instrument	680450

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

January 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LYON NV
Recording Date	Jan 22, 2020
Property Address	385 SHADOW LN, FERNLEY, NV 89408-8502
Document Number	0000609641
Map Reference	DOC 38222
Instrument Date	Jan 17, 2020
Instrument	609641
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	TICOR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$916.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 WINTER PL, 628, FERNLEY, NV 89408-9060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 SHADOW LN, FERNLEY, NV 89408-8502

Mortgage

Document Number	0000609642
Date	Jan 22, 2020
Instrument	609642

Lender

Name	GREATER NEVADA LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Mortgage

Document Number	0000609643
Date	Jan 22, 2020
Instrument	609643

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$1,752.00 (-9.18%)	$76,273 (+6.14%) Land $54,250 Building $22,023	$217,923 (+6.14%) Land $155,000 Building $62,923
2023	$1,929.00 (+6.4%)	$71,861 (+1.61%) Land $49,000 Building $22,861	$205,316 (+1.61%) Land $140,000 Building $65,316
2022	$1,813.00	$70,719 Land $49,000 Building $21,719	$202,054 Land $140,000 Building $62,054

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 · 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	2 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	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 622 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

May also be available: AT&T.

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