435 Etral Cir, Reno, NV 89506 Property Records

Washoe County property record for 435 Etral Cir, Reno, NV 89506

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,452 sqft · built 1972
Lot Size	0.346 acres (15,072 sqft)
Owner	Individual Name on File
Tax Bill	$1,738 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-573-21`

Property Details

APN / Parcel Number

Primary APN	`080-573-21`
Alternative APN	`105251`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,452 sqft Living Area
Gross Area	1,468 sqft
1st Floor Area	1,452 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1977
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,072 sqft (0.346 acres)
Garage Type	Detached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	292 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	435 ETRAL CIR
City	RENO
State	NV
Zip	89506-9644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDS
Legal Description	LEMMON VALLEY ESTATES 3 LOT 19
Legal Subdivision	LEMMON VALLEY ESTATES 3
Legal Lot Number	19
Jurisdiction	WASHOE NV
Township / Civil Division	NORTH VALLEYS
Census Block Group	1
Census Block	1036
Census Tract	2618

Owner

435 Etral Cir is owned and occupied by an individual who acquired it in June 2026.

Source: Washoe County records, as of September 14, 2026

Owner of Record	Individual Name on File
Mailing Address	435 ETRAL CIR, RENO, NV 89506-9644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 12, 2026	Bargain and Sale Deed, Transfer · FHA Mortgage UNITED FEDERAL CREDIT UNION
Jul 6, 2018	Quit Claim Deed, Transfer OTHER
Jul 6, 2018	Bargain and Sale Deed, Transfer · ARM UNITED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2026
Deed Sale	Jun 12, 2026
Prior Sale	Jul 6, 2018 · Amount on File
Deed Document Number	20265629333
Prior Transfer Date	Jun 8, 2026
Prior Transfer Doc	0005629333
Record Updated	Oct 29, 2026

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WASHOE NV
Recording Date	Jun 12, 2026
Property Address	435 ETRAL CIR, RENO, NV 89506-9644
Document Number	0005629333
Instrument Date	Jun 8, 2026
Instrument	20265629333
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIRST CENTENNIAL TITLE OF NV, FIRST CENTENNIAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 ETRAL CIR, RENO, NV 89506-9644

Mortgage

Document Number	0005629334,
Date	Jun 12, 2026
Instrument	20265629334

Lender

Name	UNITED FEDERAL CREDIT UNION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHOE NV
Recording Date	Jul 6, 2018
Property Address	435 ETRAL CIR, RENO, NV 89506-9644
Document Number	0004829552
Instrument Date	Jul 5, 2018
Instrument	4829552
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	18331 GLEN LAKES CT RENO NV 895086005, RENO, NV 89508-6005

July 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WASHOE NV
Recording Date	Jul 6, 2018
Property Address	435 ETRAL CIR, RENO, NV 89506-9644
Document Number	0004829553
Map Reference	FILE231999 MAP1276
Instrument Date	Jul 5, 2018
Instrument	4829553
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TICOR TITLE RENO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,148.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 ETRAL CIR, RENO, NV 89506-9644

Mortgage

Document Number	0004829554
Date	Jul 6, 2018
Instrument	4829554

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	1.75%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	9.5%

Tax Assessment & Valuation

The 2026 property tax bill for 435 Etral Cir was $1,738, up 44.5% from the year before.

Source: Washoe County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Nevada
County	Washoe County
Unified School District	Washoe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,738.00 (+44.47%)	$66,415 (-0.54%) Land $33,845 Building $32,570
2025	$1,203.00	$66,773 Land $33,145 Building $33,628	$190,779 Land $94,700 Building $96,079
2023	$1,383.00	$60,294 Land $27,279 Building $33,015	$172,269 Land $77,940 Building $94,329
2021			$127,199 Land $47,100 Building $80,099

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 435 Etral Cir in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1991.

Source: FEMA National Flood Hazard Layer, effective May 17, 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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	13 (1991–2017)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Apr 2017 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 4 claims

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

Wildfire risk around 435 Etral Cir is very high, ranking above 90% of the US, with a 0.9% annual chance of wildfire.

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

Wildfire Risk	Very High above 90% of the US · above 74% of Nevada
Wildfire Likelihood	0.9% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TRUCKEE MEADOWS WATER AUTHORITY serves 442,000 people · EPA ID NV0000190
Water Source	Surface water
Last State Inspection	Aug 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Hot Spot Broadband Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Net NV.

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