402 Flora Dr, Spring Creek, NV 89815 Property Records

Elko County property record for 402 Flora Dr, Spring Creek, NV 89815

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,788 sqft · built 2010
Lot Size	1.13 acres (49,658 sqft)
Owner	Individual Name on File
Tax Bill	$2,678 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-002-023`

Property Details

APN / Parcel Number

Primary APN	`041-002-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,788 sqft Living Area
1st Floor Area	1,788 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	49,658 sqft
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	432 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	402 FLORA DR
City	SPRING CREEK
State	NV
Zip	89815-5715
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	23
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1004
Census Tract	951403

Owner

402 Flora Dr is owned and occupied by an individual who acquired it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	402 FLORA DR, SPRING CREEK, NV 89815-5715
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
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 14, 2019	Intrafamily Transfer, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Mar 31, 2017	Bargain and Sale Deed, Transfer · FHA Mortgage MANN MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2019
Deed Sale	Aug 14, 2019
Prior Sale	Mar 31, 2017 · Amount on File
Deed Document Number	2019757919
Prior Transfer Date	Aug 9, 2019
Prior Transfer Doc	0000757919
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	402 FLORA DR, SPRING CREEK, NV 89815-5715
Transaction Type	Mortgage
Record Updated	Apr 6, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000801991
Date	Feb 24, 2022
Instrument	801991

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Aug 14, 2019
Property Address	402 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000757919
Map Reference	FILE 67522
Instrument Date	Aug 9, 2019
Instrument	757919
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE COMPANY

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
Relationship	Joint Tenants
Address	402 FLORA DR, SPRING CREEK, NV 89815-5715

Mortgage

Document Number	0000757920
Date	Aug 14, 2019
Instrument	757920

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

March 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Mar 31, 2017
Property Address	402 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000723508
Map Reference	FILE67522
Instrument Date	Mar 20, 2017
Instrument	723508
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	402 FLORA DR, 402, SPRING CREEK, NV 89815-5715

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	402 FLORA DR, SPRING CREEK, NV 89815-5715

Mortgage

Document Number	0000723509
Date	Mar 31, 2017
Instrument	723509

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 402 Flora Dr was $2,678, up 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	$2,678.00 (+3.04%)	$100,840 (-1.72%) Land $14,000 Building $86,840	$288,114 (-1.72%) Land $40,000 Building $248,114
2025	$2,599.00	$102,600 Land $14,000 Building $88,600	$293,143 Land $40,000 Building $253,143
2023	$2,248.00 (+3.02%)	$94,390 (+15.88%) Land $9,975 Building $84,415	$269,686 (+15.88%) Land $28,500 Building $241,186
2022	$2,182.00	$81,456 Land $9,975 Building $71,481	$232,731 Land $28,500 Building $204,231

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 402 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 402 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 82% 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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