414 Flora Dr, Spring Creek, NV 89815 Property Records

Elko County property record for 414 Flora Dr, Spring Creek, NV 89815

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,906 sqft · built 2020
Lot Size	1 acre (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$336,000 (Aug 2020)
Tax Bill	$3,733 (2026)
Deeds & Mortgages	May 2026 Mortgage Aug 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`041-002-025`

Property Details

APN / Parcel Number

Primary APN	`041-002-025`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	1,906 sqft Living Area
Gross Area	2,931 sqft
1st Floor Area	1,906 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	43,560 sqft
Garage Type	Attached
Garage Area	1,025 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	414 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 LOT 25 BLK 2
Legal Subdivision	SPRING CREEK TRACT 106B
Legal Tract	106B
Legal Block	2
Legal Lot Number	25
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1004
Census Tract	951403

Owner

414 Flora Dr is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	414 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
May 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 4, 2020	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage KROHNGOLD S & P F/TR (PT)
May 15, 2020	Grant Deed, Transfer · Conventional Mortgage RONALD J PIZER
May 15, 2020	Quit Claim Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2020 · Amount on File
Deed Sale	Aug 4, 2020 · Amount on File
Prior Sale	May 15, 2020 · Amount on File
Deed Document Number	2020772025
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Recording Date	May 6, 2026
Property Address	414 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000864126
Instrument Date	May 1, 2026
Instrument	2026864126
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 FLORA DR, SPRING CREEK, NV 89815-5715

Mortgage

Document Number	0000864126,
Date	May 6, 2026
Instrument	2026864126

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	414 FLORA DR, SPRING CREEK, NV 89815-5715
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000809095
Date	Aug 9, 2022
Instrument	809095

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELKO NV
Recording Date	Aug 4, 2020
Property Address	414 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000772025
Instrument Date	Aug 3, 2020
Instrument	772025
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,310.00
Amount Accuracy	Confirmed
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	414 FLORA DR SPRING CREEK NV 898155715, SPRING CREEK, NV 89815-5715

Mortgage

Document Number	772026
Date	Aug 4, 2020
Instrument	772026

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	414 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000769293
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	780 W SILVER ST #104 ELKO NV 898013820, 104, ELKO, NV 89801-3820

Mortgage

Document Number	0000769293
Date	Jun 3, 2020
Instrument	769293

Lender

Name	KROHNGOLD S & P F/TR (PT)
Address	2300 GREENSBURG CIR, RENO, NV 89509-6877

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELKO NV
Recording Date	May 15, 2020
Property Address	414 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000768573
Instrument Date	May 1, 2020
Instrument	768573
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$296.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	780 W SILVER ST #104 ELKO NV 898013820, 104, ELKO, NV 89801-3820

Mortgage

Document Number	768574
Date	May 15, 2020
Instrument	768574

Lender

Name	RONALD J PIZER
Address	1069 MILL CREEK RD, INCLINE VILLAGE, NV 89451-9337

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	768596,
Date	May 15, 2020
Instrument	768596

Lender

Name	RONALD J PIZER
Address	1069 MILL CREEK RD, INCLINE VILLAGE, NV 89451-9337
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	May 15, 2020
Property Address	414 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000768572
Instrument Date	May 1, 2020
Instrument	768572
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1069 MILL CREEK RD INCLINE VILLAGE NV 894519337, INCLINE VILLAGE, NV 89451-9337

Tax Assessment & Valuation

The 2026 property tax bill for 414 Flora Dr was $3,733, down 1.7% 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	$3,733.00 (-1.74%)	$139,370 (-1.73%) Land $14,000 Building $125,370	$398,200 (-1.73%) Land $40,000 Building $358,200
2025	$3,799.00 (+0.93%)	$141,825 Land $14,000 Building $127,825	$405,214 Land $40,000 Building $365,214
2024	$3,764.00 (+16.97%)
2023	$3,218.00 (+7.99%)	$131,237 (+17.97%) Land $9,975 Building $121,262	$374,963 (+17.97%) Land $28,500 Building $346,463
2022	$2,980.00	$111,245 Land $9,975 Building $101,270	$317,843 Land $28,500 Building $289,343

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 414 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 414 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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