386 Flora Dr, Spring Creek, NV 89815 Property Records

Elko County property record for 386 Flora Dr, Spring Creek, NV 89815

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,028 sqft · built 2015
Lot Size	1.36 acres (59,242 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Apr 2026)
Tax Bill	$3,313 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`041-002-021`

Property Details

APN / Parcel Number

Primary APN	`041-002-021`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,028 sqft Living Area
Gross Area	2,922 sqft
1st Floor Area	2,028 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	59,242 sqft
Garage Type	Attached
Garage Area	894 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	386 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	21
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1004
Census Tract	951403

Owner

Source: Elko County records, as of September 29, 2026

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

Owner of Record	Individual Name on File
Mailing Address	386 FLORA DR, SPRING CREEK, NV 89815-5723
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 24, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage MAGNUS TITLE AGENCY, MAGNUS TITLE AGENCY OF NEVADA
Apr 24, 2026	Bargain and Sale Deed, Transfer MAGNUS TITLE AGENCY, MAGNUS TITLE AGENCY OF NEVADA
Mar 30, 2023	Intrafamily Transfer, Transfer WFT NATIONAL TITLE, WFG NATIONAL TITLE
Mar 30, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jun 10, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 16, 2018	Bargain and Sale Deed, Transfer · Conventional Mortgage MANN MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2026 · Amount on File
Deed Sale	Apr 24, 2026 · Amount on File
Prior Sale	Mar 30, 2023 · Amount on File
Deed Document Number	2026863772
Prior Transfer Date	Mar 28, 2023
Prior Transfer Doc	0000817609
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	386 FLORA DR, SPRING CREEK, NV 89815-5723
Transaction Type	Mortgage
Record Updated	May 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000792848
Date	Aug 9, 2021
Instrument	792848

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	APO, AE 9136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Apr 24, 2026
Property Address	386 FLORA DR, SPRING CREEK, NV 89815-5723
Document Number	0000863772
Instrument Date	Apr 21, 2026
Instrument	2026.863772
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	MAGNUS TITLE AGENCY, MAGNUS TITLE AGENCY OF NEVADA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202,858.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	386 FLORA DR, SPRING CREEK, NV 89815-5723

Mortgage

Document Number	0000863772,
Date	Apr 24, 2026
Instrument	2026.863772

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Apr 24, 2026
Property Address	386 FLORA DR, SPRING CREEK, NV 89815-5723
Document Number	0000863773
Instrument Date	Apr 19, 2026
Instrument	2026863773
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	MAGNUS TITLE AGENCY, MAGNUS TITLE AGENCY OF NEVADA

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	386 FLORA DR, SPRING CREEK, NV 89815-5723

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Mar 30, 2023
Property Address	386 FLORA DR, SPRING CREEK, NV 89815-5723
Document Number	0000817609
Map Reference	FILE 97522
Instrument Date	Mar 28, 2023
Instrument	817609
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 FLORA DR, SPRING CREEK, NV 89815-5723

March 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Mar 30, 2023
Property Address	386 FLORA DR, SPRING CREEK, NV 89815-5723
Document Number	0000817608
Map Reference	FILE 67522
Instrument Date	Mar 27, 2023
Instrument	817608
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,712.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	718 BRONCO DR, SPRING CREEK, NV 89815-7311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 FLORA DR, SPRING CREEK, NV 89815-5723

Mortgage

Document Number	0000817610
Date	Mar 30, 2023
Instrument	817610

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

June 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jun 10, 2022
Property Address	386 FLORA DR, SPRING CREEK, NV 89815-5723
Document Number	0000806841
Map Reference	FILE 67522
Instrument Date	Jun 2, 2022
Instrument	806841
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,723.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2671 HAMILTON CREEK TRL, ELKO, NV 89801-1202

Mortgage

Document Number	0000806842
Date	Jun 10, 2022
Instrument	806842

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2042

March 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Mar 16, 2018
Property Address	386 FLORA DR, SPRING CREEK, NV 89815-5723
Document Number	0000738307
Map Reference	FILE67522
Instrument Date	Feb 3, 2018
Instrument	738307
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.30
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	734 S AMAYA AVE, 734, BOISE, ID 83709-5310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 FLORA DR, SPRING CREEK, NV 89815-5723

Mortgage

Document Number	0000738308
Date	Mar 16, 2018
Instrument	738308

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

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	$3,313.00 (-1.75%)	$123,671 (-1.76%) Land $14,000 Building $109,671	$353,346 (-1.76%) Land $40,000 Building $313,346
2025	$3,372.00 (+0.54%)	$125,881 (+8.91%) Land $14,000 Building $111,881	$359,660 (+8.91%) Land $40,000 Building $319,660
2024	$3,354.00 (+16.86%)
2023	$2,870.00 (+7.98%)	$115,583 (+16.5%) Land $9,975 Building $105,608	$330,237 (+16.5%) Land $28,500 Building $301,737
2022	$2,658.00	$99,213 Land $9,975 Building $89,238	$283,466 Land $28,500 Building $254,966

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 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

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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