440 Palace Dr, Reno, NV 89506 Property Records

Washoe County property record for 440 Palace Dr, Reno, NV 89506

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,144 sqft · built 1972
Lot Size	0.207 acres (9,017 sqft)
Owner	2 Individual Names on File
Last Sale	$248,000 (Aug 2005)
Tax Bill	$726 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-573-08`

Property Details

APN / Parcel Number

Primary APN	`080-573-08`
Alternative APN	`105238`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	1,452 sqft
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Frame Hardboard
Construction Type	Frame
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	9,017 sqft (0.207 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	280 sqft
Patio Area	280 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	440 PALACE DR
City	RENO
State	NV
Zip	89506-9645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDS
Legal Description	LEMMON VALLEY EST 3 LT 13
Legal Subdivision	LEMMON VALLEY ESTATES 3
Legal Lot Number	13
Jurisdiction	WASHOE NV
Township / Civil Division	NORTH VALLEYS
Census Block Group	1
Census Block	1036
Census Tract	2618

Owner

440 Palace Dr is owned and occupied by two individuals who bought it in August 2005.

Source: Washoe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	440 PALACE DR, RENO, NV 89506-9645
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2005 · Amount on File
Deed Sale	Aug 18, 2005 · Amount on File
Prior Sale	Sep 28, 2001 · Amount on File
Deed Document Number	20053263394
Prior Transfer Date	Dec 17, 2003
Prior Transfer Doc	0002985735
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHOE NV
Recording Date	Apr 28, 2026
Property Address	440 PALACE DR, RENO, NV 89506-9645
Document Number	0005618184
Instrument Date	Apr 21, 2026
Instrument	20265618184
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 PALACE DR, RENO, NV 89506-9645
Investor	Possibly a Property Investor

Mortgage

Document Number	0005618184,
Date	Apr 28, 2026
Instrument	20265618184

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 18, 2056

Interest

Rate	6.38%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHOE NV
Property Address	440 PALACE DR, RENO, NV 89506-9645
Transaction Type	Mortgage
Record Updated	Feb 10, 2022
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005161308
Date	Apr 2, 2021
Instrument	5161308

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 440 Palace Dr was $726, up 38.8% 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	$726.00 (+38.81%)	$47,869 (+1.57%) Land $30,461 Building $17,408
2025	$523.00	$47,128 Land $29,831 Building $17,297	$134,649 Land $85,230 Building $49,419
2023	$666.00	$40,334 Land $24,551 Building $15,783	$115,239 Land $70,146 Building $45,093
2021			$80,347 Land $42,390 Building $37,957

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 440 Palace Dr 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 440 Palace Dr 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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