53 Garms Cir, Smith, NV 89430 Property Records

Lyon County property record for 53 Garms Cir, Smith, NV 89430 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,836 sqft · built 2004
Lot Size	5.06 acres (220,414 sqft)
Owner	2 Individual Names on File
Last Sale	$298,000 (Oct 2013)
Tax Bill	$6,781 (2026)
Deeds & Mortgages	May 2022 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`009-122-03`

Property Details

APN / Parcel Number

Primary APN	`009-122-03`
Alternative APNs	`010-481-04` `912203`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,836 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	220,414 sqft
Garage Area	1,549 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	53 GARMS CIR
City	SMITH
State	NV
Zip	89430-9400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CREATED FROM SPLIT OF PARCEL # 010-481-04 PRIMARY NEW PARCEL IS PARCEL # 009-121-01
Legal Subdivision	GARMS ESTATES
Legal Block	1
Legal Lot Number	3
Jurisdiction	LYON NV
Township / Civil Division	SMITH VALLEY
Census Block Group	1
Census Block	1187
Census Tract	960802

Owner

Source: Lyon County records · APN 009-122-03

Assessment roll updated August 18, 2026 · Last verified August 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 File
Mailing Address	53 GARMS CIR, SMITH, NV 89430-9400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jun 16, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Oct 28, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 08, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 16, 2013 · Amount on Record
Deed Sale	Oct 16, 2013 · Amount on Record
Deed Document Number	2013513846
Prior Transfer Date	Jan 13, 2006
Prior Transfer Doc	0000373267
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	53 GARMS CIR, SMITH, NV 89430-9400
Transaction Type	Mortgage
Record Updated	Jun 08, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000657738
Date	May 25, 2022
Instrument	657738

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	53 GARMS CIR, SMITH, NV 89430-9400
Transaction Type	Mortgage
Record Updated	Jul 16, 2021
Title Company	CLOSING USA LLC, CLOSING USA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000639327
Date	Jun 16, 2021
Instrument	639327

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	53 GARMS CIR, SMITH, NV 89430-9400
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000604585
Date	Oct 28, 2019
Instrument	604585

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	53 GARMS CIR, SMITH, NV 89430-9400
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	WFG NATIONAL TITLE CO OF NE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000620961
Date	Sep 08, 2020
Instrument	620961

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

Source: Lyon County records · Assessment roll updated August 18, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,781.00 (+18.36%)	$191,088 (-4.73%) Land $50,750 Building $140,338	$545,965 (-4.73%) Land $145,000 Building $400,965
2023	$5,729.00 (+8.24%)	$200,568 (+17.84%) Land $66,500 Building $134,068	$573,051 (+17.84%) Land $190,000 Building $383,051
2022	$5,293.00	$170,204 Land $48,125 Building $122,079	$486,296 Land $137,500 Building $348,796

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lyon County (32019C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 320199608021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone D
Special Flood Hazard Area	No
Flood Hazard	Undetermined not studied
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 15 individual NFIP policies nearby
Nearby Flood Policies	15 in force

Wildfire

Wildfire Risk	Very High above 93% of the US · above 81% of Nevada
Wildfire Likelihood	About 1 in 102 per year
Exposure	Direct burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Wi-Fiber	Fixed Wireless (unlicensed)	100 / 20
Northern Nevada High Speed	Fixed Wireless (unlicensed)	25 / 10
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Frontier. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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