Elko County property record for 434 Flora Dr, Spring Creek, NV 89815
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,744 sqft · built 2015 |
| Lot Size | 1 acre (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $301,500 (Aug 2015) |
| Tax Bill | $3,410 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Sep 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-002-035 |
| Primary APN | 041-002-035 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,744 sqft Living Area |
| Gross Area | 4,000 sqft |
| 1st Floor Area | 1,744 sqft |
| Basement Area | 1,359 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft |
| Garage Type | Attached |
| Garage Area | 897 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 434 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 | 35 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 951403 |
434 Flora Dr is owned and occupied by an individual who acquired it in September 2020.
Source: Elko County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 434 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.
| Date | Document |
|---|---|
| Feb 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 28, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2015 · Amount on File |
| Deed Sale | Aug 26, 2015 · Amount on File |
| Prior Sale | Sep 13, 2013 · Amount on File |
| Deed Document Number | 2015701878 |
| Last Transfer Date | Sep 17, 2020 |
| Transfer Doc | 0000774563 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 434 FLORA DR, SPRING CREEK, NV 89815-5715 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000782403 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 782403 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Sep 28, 2020 |
| Property Address | 434 FLORA DR, SPRING CREEK, NV 89815-5715 |
| Document Number | 0000774563 |
| Instrument Date | Sep 17, 2020 |
| Instrument | 774563 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 434 FLORA DR SPRING CREEK NV 898155715, SPRING CREEK, NV 89815-5715 |
The 2026 property tax bill for 434 Flora Dr was $3,410, down 1.8% 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 | $3,410.00 (-1.76%) | $127,308 (-1.77%) Land $14,000 Building $113,308 | $363,737 (-1.77%) Land $40,000 Building $323,737 |
| 2025 | $3,471.00 | $129,600 Land $14,000 Building $115,600 | $370,286 Land $40,000 Building $330,286 |
| 2023 | $2,955.00 (+7.96%) | $119,054 (+16.55%) Land $9,975 Building $109,079 | $340,154 (+16.55%) Land $28,500 Building $311,654 |
| 2022 | $2,737.00 | $102,152 Land $9,975 Building $92,177 | $291,863 Land $28,500 Building $263,363 |
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 434 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 434 Flora Dr is very high, ranking above 92% 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 92% of the US · above 78% 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 135 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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