422 Flora Dr, Spring Creek, NV 89815 Property Records

Elko County property record for 422 Flora Dr, Spring Creek, NV 89815

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,761 sqft · built 2018
Lot Size	1.06 acres (46,609 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Jan 2021)
Tax Bill	$3,211 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Apr 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`041-002-029`

Property Details

APN / Parcel Number

Primary APN	`041-002-029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,761 sqft Living Area
Gross Area	2,697 sqft
1st Floor Area	1,761 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	46,609 sqft
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	422 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	29
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1004
Census Tract	951403

Owner

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	2 Individual Names on Record
Mailing Address	422 FLORA DR, SPRING CREEK, NV 89815-5715
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2023	Bargain and Sale Deed, Transfer · Line of Credit ELKO FCU
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 25, 2021	Bargain and Sale Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
May 18, 2018	Bargain and Sale Deed, Transfer NEVADA RURAL HOUSING AUTHORITY
Dec 20, 2017	Deed of Trust, Mortgage · Conventional with PMI KROHNGOLD STANLEY & P TR (PT)
Aug 31, 2017	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2021 · Amount on Record
Deed Sale	Jan 25, 2021 · Amount on Record
Prior Sale	May 18, 2018 · Amount on Record
Deed Document Number	2021781438
Last Transfer Date	Dec 12, 2023
Transfer Doc	0000830851
Record Updated	Oct 29, 2026

December 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Dec 14, 2023
Property Address	422 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000830851
Map Reference	FILE 67522
Instrument Date	Dec 12, 2023
Instrument	830851
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	STEWART TITLE ELKO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	422 FLORA DR, SPRING CREEK, NV 89815-5715
Investor	Possibly a Property Investor

Mortgage

Document Number	0000830852
Date	Dec 14, 2023
Instrument	830852

Lender

Name	ELKO FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 11, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	422 FLORA DR, SPRING CREEK, NV 89815-5715
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000767459
Date	Apr 15, 2020
Instrument	767459

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

January 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jan 25, 2021
Property Address	422 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000781438
Map Reference	FILE 67522
Instrument Date	Dec 31, 2020
Instrument	781438
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO OF NV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,209.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 FLORA DR, SPRING CREEK, NV 89815-5715
Investor	Possibly a Property Investor

Mortgage

Document Number	0000781439
Date	Jan 25, 2021
Instrument	781439

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	421 Months
Due	Feb 1, 2056

May 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	May 18, 2018
Property Address	422 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000740987
Map Reference	FILE67522
Instrument Date	May 17, 2018
Instrument	740987
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount Recorded
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	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	422 FLORA DR, SPRING CREEK, NV 89815-5715

Mortgage

Document Number	0000740989
Date	May 18, 2018
Instrument	740989

Lender

Name	NEVADA RURAL HOUSING AUTHORITY
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

Mortgage

Document Number	0000740988
Date	May 18, 2018
Instrument	740988

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	422 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000734958
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000734958
Date	Dec 20, 2017
Instrument	734958

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELKO NV
Recording Date	Aug 31, 2017
Property Address	422 FLORA DR, SPRING CREEK, NV 89815-5715
Document Number	0000730137
Instrument Date	Aug 10, 2017
Instrument	730137
Transaction Type	Transfer
Record Updated	Sep 13, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$117.00
Additional	Arm's Length

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
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$3,211.00 (-1.65%)	$119,842 (-1.69%) Land $14,000 Building $105,842	$342,406 (-1.69%) Land $40,000 Building $302,406
2025	$3,265.00 (+17.91%)	$121,904 (+9.18%) Land $14,000 Building $107,904	$348,297 (+9.18%) Land $40,000 Building $308,297
2023	$2,769.00 (+8%)	$111,657 (+16.66%) Land $9,975 Building $101,682	$319,020 (+16.66%) Land $28,500 Building $290,520
2022	$2,564.00	$95,710 Land $9,975 Building $85,735	$273,457 Land $28,500 Building $244,957

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 96% of the US · above 89% 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 104 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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