Lyon County property record for 400 E Main St, Fernley, NV 89408
| Property Type | Commercial |
|---|---|
| Details | 1,199 sqft · built 2012 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Company Name on Record |
| Last Sale | $2,220,000 (Oct 2022) |
| Tax Bill | $7,187 (2026) |
| Deeds & Mortgages | Oct 2022 Mortgage Oct 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 020-101-03 |
| Primary APN | 020-101-03 |
|---|---|
| Alternative APN |
|
| Units | 2 Units |
|---|---|
| Building Area | 1,199 sqft Gross Area |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Lot Area | 21,780 sqft (0.5 acres) |
| Street Address | 400 E MAIN ST |
|---|---|
| City | FERNLEY |
| State | NV |
| Zip | 89408 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | C2 |
| Legal Description | REMOVE LAND ADJ 11/03 |
| Legal Subdivision | PARCEL MAP GENE D ARRATEBEL |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | LYON NV |
| Township / Civil Division | FERNLEY |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 960103 |
Source: Lyon County records, as of October 12, 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 | 1787 ARROW WOOD CT, RENO, NV 89521-3019 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Oct 18, 2022 | Deed of Trust, Mortgage · Commercial Mortgage HERITAGE SOUTHEAST BANK |
| Oct 18, 2022 | Bargain and Sale Deed, Transfer · Commercial Mortgage HERITAGE BANK OF NEVADA |
| Oct 17, 2017 | Trustee's Deed, Construction Loan · Line of Credit GREATER NV CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2022 · Amount on Record |
| Deed Sale | Oct 18, 2022 · Amount on Record |
| Prior Sale | Apr 2, 2009 · Amount on Record |
| Deed Document Number | 2022663356 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 400 E MAIN ST, FERNLEY, NV 89408 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2023 |
| Title Company | FIRST CENTENNIAL - RENO, FIRST CENTENNIAL RENO |
| Name | Verified Name |
|---|
| Document Number | 0000663357 |
|---|---|
| Date | Oct 18, 2022 |
| Instrument | 663357 |
| Name | HERITAGE SOUTHEAST BANK |
|---|---|
| Type | Bank |
| Address | RENO, NV 89502 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | LYON NV |
| Recording Date | Oct 18, 2022 |
| Property Address | 400 E MAIN ST, FERNLEY, NV 89408 |
| Document Number | 0000663356 |
| Map Reference | DOC 109286 |
| Instrument Date | Oct 13, 2022 |
| Instrument | 663356 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2022 |
| Title Company | FIRST CENTENNIAL RENO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,658.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 424, FERNLEY, NV 89408-0424 |
| Name | Verified Name |
|---|---|
| Address | 1787 ARROW WOOD CT, RENO, NV 89521-3019 |
| Document Number | 0000663359 |
|---|---|
| Date | Oct 18, 2022 |
| Instrument | 663359 |
| Name | HERITAGE BANK OF NEVADA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Number | 0000663361 |
|---|---|
| Date | Oct 18, 2022 |
| Instrument | 663361 |
| Name | CALIFORNIA STATEWIDE CERTIFIED DEVELOPME |
|---|---|
| Type | Non-Lending Institution |
| Address | DAVIS, CA 95616 |
| Amount | Amount Recorded |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LYON NV |
| Recording Date | Oct 17, 2017 |
| Property Address | 400 E MAIN ST, FERNLEY, NV 89408 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 571483 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 30, 2017 |
| Title Company | FIRST CENTENNIAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 424 FERNLEY NV 894080424, FERNLEY, NV 89408-0424 |
| Document Number | 0000571483 |
|---|---|
| Date | Oct 17, 2017 |
| Instrument | 571483 |
| Name | GREATER NV CU |
|---|---|
| Type | Credit Union |
| Address | CARSON CITY, NV 89701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 16, 2018 |
| Rate Type | Adjustable Rate |
|---|
Source: Lyon County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Lyon County |
| Municipality | Fernley City |
| Unified School District | Lyon County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,187.00 (+5.89%) | $196,271 (-0.68%) Land $106,722 Building $89,549 | $560,775 (-0.68%) Land $304,920 Building $255,855 |
| 2025 | $197,618 (+3.4%) Land $106,722 Building $90,896 | $564,623 (+3.4%) Land $304,920 Building $259,703 | |
| 2023 | $6,787.00 (+8.11%) | $191,120 (+6.3%) Land $106,722 Building $84,398 | $546,056 (+6.3%) Land $304,920 Building $241,136 |
| 2022 | $6,278.00 | $179,790 Land $106,722 Building $73,068 | $513,686 Land $304,920 Building $208,766 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 80% of Nevada |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
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 |
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