Elko County property record for 413 Valley Bend Dr, Spring Creek, NV 89815
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,278 sqft · built 1995 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Apr 2008) |
| Tax Bill | $2,711 (2026) |
| Deeds & Mortgages | Mar 2024 Second Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 053-009-034 |
| Primary APN | 053-009-034 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,278 sqft Living Area |
| Gross Area | 3,314 sqft |
| 1st Floor Area | 1,278 sqft |
| Basement Area | 1,244 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 52,272 sqft |
| Garage Type | Attached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 413 VALLEY BEND DR |
|---|---|
| City | SPRING CREEK |
| State | NV |
| Zip | 89815-5733 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | TRACT 103 SPRING CREEK CORPORATION FILE 60406 |
| Legal Subdivision | SPRING CREEK TRACT 103 |
| Legal Tract | 103 |
| Legal Block | 9 |
| Legal Lot Number | 34 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 951403 |
413 Valley Bend Dr is owned and occupied by an individual who bought it in April 2008.
Source: Elko County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 413 VALLEY BEND DR, SPRING CREEK, NV 89815-5733 |
| 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.
| Date | Document |
|---|---|
| Mar 18, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Feb 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Oct 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jun 19, 2017 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2008 · Amount on File |
| Deed Sale | Apr 30, 2008 · Amount on File |
| Prior Sale | Apr 30, 2008 · Amount on File |
| Deed Document Number | 2008595155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 413 VALLEY BEND DR, SPRING CREEK, NV 89815-5733 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2024 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0000834604 |
|---|---|
| Date | Mar 18, 2024 |
| Instrument | 834604 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 413 VALLEY BEND DR, SPRING CREEK, NV 89815-5733 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000781931 |
|---|---|
| Date | Feb 2, 2021 |
| Instrument | 781931 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Dec 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 413 VALLEY BEND DR, SPRING CREEK, NV 89815-5733 |
| Document Number | 0000760938 |
| Instrument Date | Oct 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 VALLEY BEND DR SPRING CREEK NV 898155733, SPRING CREEK, NV 89815-5733 |
| Document Number | 0000760938 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 760938 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 21, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 413 VALLEY BEND DR, SPRING CREEK, NV 89815-5733 |
| Document Number | 0000727171 |
| Instrument Date | Jun 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2017 |
| Title Company | TITLE SOURCES INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 VALLEY BEND DR SPRING CREEK NV 898155733, SPRING CREEK, NV 89815-5733 |
| Document Number | 0000727171 |
|---|---|
| Date | Jun 26, 2017 |
| Instrument | 727171 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 25, 2032 |
The 2026 property tax bill for 413 Valley Bend Dr was $2,711, up 1.1% from the year before.
Source: Elko County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Unified School District | Elko County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,711.00 (+1.12%) | $101,187 (+25.39%) Land $14,000 Building $87,187 | $289,106 (+25.39%) Land $40,000 Building $249,106 |
| 2025 | $2,681.00 | $80,699 Land $14,000 Building $66,699 | $230,569 Land $40,000 Building $190,569 |
| 2023 | $1,784.00 (+2.94%) | $74,072 (+14.58%) Land $9,975 Building $64,097 | $211,634 (+14.58%) Land $28,500 Building $183,134 |
| 2022 | $1,733.00 | $64,648 Land $9,975 Building $54,673 | $184,709 Land $28,500 Building $156,209 |
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.
FEMA maps place 413 Valley Bend 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 risk around 413 Valley Bend Dr is extreme, ranking above 97.3% of the US, with a 3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 97.3% of the US · above 91% of Nevada |
|---|---|
| Wildfire Likelihood | 3% 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.
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 |
| 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.
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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