504 Cardiff Dr, Sparks, NV 89441 Property Records

Washoe County property record for 504 Cardiff Dr, Sparks, NV 89441

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,307 sqft · built 2020
Lot Size	0.276 acres (12,003 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (May 2026)
Tax Bill	$2,516 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`532-291-02`

Property Details

APN / Parcel Number

Primary APN	`532-291-02`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,307 sqft Living Area
Gross Area	1,956 sqft
1st Floor Area	1,307 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,003 sqft (0.276 acres)
Garage Type	Attached
Garage Area	599 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	504 CARDIFF DR
City	SPARKS
State	NV
Zip	89441-0514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDS
Legal Description	PYRAMID RANCH ANNEX VILLAGE 1 LOT 2
Legal Range	20E
Legal Township	21N
Legal Section	26
Legal Subdivision	PYRAMID RANCH ANNEX VILLAGE 1
Legal Lot Number	2
Jurisdiction	WASHOE NV
Township / Civil Division	WARM SPRINGS-TRUCKEE CANYON
Census Block Group	2
Census Block	2004
Census Tract	3518

Owner

504 Cardiff Dr is owned and occupied by an individual who bought it in May 2026.

Source: Washoe County records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	504 CARDIFF DR, SPARKS, NV 89441-0514
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
May 1, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage PRIMECAP LENDING LLC
Sep 14, 2020	Deed of Trust, Mortgage · Conventional with PMI MOUNTAIN AMERICA FCU
Sep 14, 2020	Bargain and Sale Deed, Transfer · Conventional Mortgage MOUNTAIN AMERICA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on File
Deed Sale	May 1, 2026 · Amount on File
Prior Sale	Sep 14, 2020 · Amount on File
Deed Document Number	20265619648
Record Updated	Sep 20, 2026

May 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WASHOE NV
Recording Date	May 1, 2026
Property Address	504 CARDIFF DR, SPARKS, NV 89441-0514
Document Number	0005619648
Instrument Date	Apr 28, 2026
Instrument	2026.5619648
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227,755.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 CARDIFF DR, SPARKS, NV 89441-0514

Mortgage

Document Number	0005619648,
Date	May 1, 2026
Instrument	2026.5619648

Lender

Name	PRIMECAP LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHOE NV
Property Address	504 CARDIFF DR, SPARKS, NV 89441-0514
Document Number	0005076451
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	WESTERN TITLE COMPANY LLC, WESTERN TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 CARDIFF DR SPARKS NV 89441, SPARKS, NV 89441

Mortgage

Document Number	0005076451
Date	Sep 14, 2020
Instrument	5076451

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union
Address	RENO, NV 89511

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2050

September 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WASHOE NV
Recording Date	Sep 14, 2020
Property Address	504 CARDIFF DR, SPARKS, NV 89441-0514
Document Number	0005076450
Map Reference	DOC 4912481
Instrument Date	Aug 7, 2020
Instrument	5076450
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	WESTERN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,432.95
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	550 W PLUMB LN # LNB-505, 550, RENO, NV 89509-3468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 CARDIFF DR, SPARKS, NV 89441-0514

Mortgage

Document Number	0005076451
Date	Sep 14, 2020
Instrument	5076451

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 504 Cardiff Dr was $2,516.

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		$122,404 (+0.22%) Land $40,705 Building $81,699
2025	$2,516.00	$122,139 Land $39,690 Building $82,449	$348,969 Land $113,400 Building $235,569
2023	$3,170.00	$122,579 Land $44,975 Building $77,604	$350,225 Land $128,500 Building $221,725
2021			$262,887 Land $81,100 Building $181,787

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 504 Cardiff Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 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

Wildfire risk around 504 Cardiff Dr is moderate, ranking above 40% of the US, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 78% of Nevada
Wildfire Likelihood	0.04% 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	GREAT BASIN WATER CO SPANISH SPRINGS private · serves 1,450 people · EPA ID NV0001086
Water Source	Groundwater
Last State Inspection	May 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 287 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
Net NV Fixed Wireless	500 / 500
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: AT&T, Verizon.

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