431 Shadow Ln, Fernley, NV 89408 Property Records

Lyon County property record for 431 Shadow Ln, Fernley, NV 89408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,213 sqft · built 1978
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Sep 2017)
Tax Bill	$930 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`020-195-06`

Property Details

APN / Parcel Number

Primary APN	`020-195-06`
Alternative APN	`2019506`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,213 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	6,970 sqft (0.16 acres)
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Deck Area	180 sqft

Location & Zoning

Street Address	431 SHADOW LN
City	FERNLEY
State	NV
Zip	89408-8503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	13-20-24 FRN2NW4SW4
Legal Subdivision	COUNTRYSIDE 1
Legal Block	D
Legal Lot Number	75
Jurisdiction	LYON NV
Township / Civil Division	FERNLEY
Census Block Group	1
Census Block	1006
Census Tract	960105

Owner

Source: Lyon County records, as of August 18, 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	431 SHADOW LN, FERNLEY, NV 89408-8503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 30, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 22, 2017	Grant Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2017 · Amount on File
Deed Sale	Sep 22, 2017 · Amount on File
Deed Document Number	2017570422
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	431 SHADOW LN, FERNLEY, NV 89408-8503
Transaction Type	Mortgage
Record Updated	Dec 9, 2022
Title Company	MORTGAGE CONNECT LP VENDOR I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000663854
Date	Nov 1, 2022
Instrument	663854

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	431 SHADOW LN, FERNLEY, NV 89408-8503
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000636440
Date	Apr 30, 2021
Instrument	636440

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Nov 1, 2049

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LYON NV
Recording Date	Sep 22, 2017
Property Address	431 SHADOW LN, FERNLEY, NV 89408-8503
Document Number	0000570422
Instrument Date	Sep 15, 2017
Instrument	570422
Transaction Type	Transfer
Record Updated	Oct 3, 2017
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SHADOW LN FERNLEY NV 894088503, FERNLEY, NV 89408-8503

Mortgage

Document Number	570423
Date	Sep 22, 2017
Instrument	570423

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 21, 2047

Tax Assessment & Valuation

Source: Lyon County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Nevada
County	Lyon County
Municipality	Fernley City
Unified School District	Lyon County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$930.00 (-26.66%)	$75,254 (+6.4%) Land $54,250 Building $21,004	$215,011 (+6.4%) Land $155,000 Building $60,011
2023	$1,268.00 (+3.59%)	$70,729 (+1.82%) Land $49,000 Building $21,729	$202,083 (+1.82%) Land $140,000 Building $62,083
2022	$1,224.00	$69,463 Land $49,000 Building $20,463	$198,466 Land $140,000 Building $58,466

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 April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Nevada
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	FERNLEY PUBLIC WORKS serves 23,064 people · EPA ID NV0000062
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 622 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	200 / 30
Choice Broadband Fixed Wireless	100 / 25

May also be available: AT&T.

Nearby Properties on Shadow Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures