475 White Oak Dr, Spring Creek, NV 89815 Property Records

Elko County property record for 475 White Oak Dr, Spring Creek, NV 89815

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,624 sqft · built 2012
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$271,500 (Sep 2012)
Tax Bill	$3,710 (2026)
Deeds & Mortgages	Apr 2021 Mortgage May 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`047-001-029`

Property Details

APN / Parcel Number

Primary APN	`047-001-029`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	1,624 sqft Living Area
Gross Area	5,290 sqft
1st Floor Area	1,624 sqft
Basement Area	1,624 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	44,867 sqft
Garage Type	Attached
Garage Area	2,042 sqft
Parking Spaces	7 Parking Spaces
Porch	Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	475 WHITE OAK DR
City	SPRING CREEK
State	NV
Zip	89815-7155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	TRACT 402 SPRING CREEK CORPORATION FILE 68748
Legal Subdivision	SPRING CREEK TRACT 402
Legal Tract	402
Legal Block	1
Legal Lot Number	29
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1022
Census Tract	951201

Owner

Source: Elko County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	475 WHITE OAK DR, SPRING CREEK, NV 89815-7155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
May 1, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2012 · Amount on Record
Deed Sale	Sep 21, 2012 · Amount on Record
Prior Sale	May 10, 2012 · Amount on Record
Deed Document Number	2012661609
Prior Transfer Date	May 6, 2010
Prior Transfer Doc	0000626376
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	475 WHITE OAK DR, SPRING CREEK, NV 89815-7155
Transaction Type	Mortgage
Record Updated	Nov 7, 2025
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000786351
Date	Apr 28, 2021
Instrument	786351

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	475 WHITE OAK DR, SPRING CREEK, NV 89815-7155
Transaction Type	Mortgage
Record Updated	Nov 7, 2025
Title Company	UNKNOWN, AMROCK LLC RESIDENTIAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 WHITE OAK DR, SPRING CREEK, NV 89815-7155

Mortgage

Document Number	0000848946
Date	May 1, 2025
Instrument	848946

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2055

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	$3,710.00 (-1.49%)	$138,506 (-1.49%) Land $21,000 Building $117,506	$395,731 (-1.49%) Land $60,000 Building $335,731
2025	$3,766.00 (+21.6%)	$140,601 (+13.19%) Land $21,000 Building $119,601	$401,717 (+13.19%) Land $60,000 Building $341,717
2023	$3,097.00 (+7.98%)	$124,218 (+16.02%) Land $11,200 Building $113,018	$354,909 (+16.02%) Land $32,000 Building $322,909
2022	$2,868.00	$107,067 Land $11,200 Building $95,867	$305,906 Land $32,000 Building $273,906

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 · 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	1 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	Extreme above 96% of the US · above 90% of Nevada
Wildfire Likelihood	2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Anthem Broadband of Nevada Fiber	2,000 / 2,000
CC Communications Broadband Fiber	1,000 / 1,000
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.

Cell Coverage

5G and 4G LTE (outdoors only)

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