Elko County property record for 418 Flora Dr, Spring Creek, NV 89815
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,604 sqft · built 2012 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $403,500 (Jul 2025) |
| Tax Bill | $2,733 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-002-027 |
| Primary APN | 041-002-027 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,604 sqft Living Area |
| Gross Area | 2,412 sqft |
| 1st Floor Area | 1,604 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft |
| Garage Type | Attached |
| Garage Area | 808 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 418 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 | 27 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 951403 |
418 Flora Dr is owned and occupied by an individual who bought it in July 2025.
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 | 418 FLORA DR, SPRING CREEK, NV 89815-5715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Aug 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage OPERATING ENGINEERS LOCAL UNION #3 FCU |
| Sep 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage OPERATING ENGINEERS LOCAL UNION #3 FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 24, 2025 · Amount on File |
| Deed Sale | Jul 24, 2025 · Amount on File |
| Prior Sale | Jul 24, 2025 · Amount on File |
| Deed Document Number | 2025852634 |
| Prior Transfer Date | Jul 21, 2025 |
| Prior Transfer Doc | 0000852634 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Aug 28, 2026 |
| Property Address | 418 FLORA DR, SPRING CREEK, NV 89815-5715 |
| Document Number | 0000868984 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 2026868984 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 418 FLORA DR, SPRING CREEK, NV 89815-5715 |
| Document Number | 0000868984, |
|---|---|
| Date | Aug 28, 2026 |
| Instrument | 2026868984 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 418 FLORA DR, SPRING CREEK, NV 89815-5715 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL REGIONAL L |
| Name | Verified Name |
|---|
| Document Number | 0000804064 |
|---|---|
| Date | Apr 11, 2022 |
| Instrument | 804064 |
| Name | OPERATING ENGINEERS LOCAL UNION #3 FCU |
|---|---|
| Type | Credit Union |
| Address | LIVERMORE, CA 94551 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 418 FLORA DR, SPRING CREEK, NV 89815-5715 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000759716 |
|---|---|
| Date | Sep 24, 2019 |
| Instrument | 759716 |
| Name | OPERATING ENGINEERS LOCAL UNION #3 FCU |
|---|---|
| Type | Credit Union |
| Address | LIVERMORE, CA 94551 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2026 property tax bill for 418 Flora Dr was $2,733, up 3% 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 | $2,733.00 (+2.98%) | $104,040 (-1.7%) Land $14,000 Building $90,040 | $297,257 (-1.7%) Land $40,000 Building $257,257 |
| 2025 | $2,654.00 (+3.03%) | $105,840 Land $14,000 Building $91,840 | $302,400 Land $40,000 Building $262,400 |
| 2024 | $2,576.00 (+12.29%) | ||
| 2023 | $2,294.00 (+3.01%) | $96,709 (+16.36%) Land $9,975 Building $86,734 | $276,311 (+16.36%) Land $28,500 Building $247,811 |
| 2022 | $2,227.00 | $83,115 Land $9,975 Building $73,140 | $237,471 Land $28,500 Building $208,971 |
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 418 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 risk around 418 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.
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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