644 Carmel Way, Gardnerville, NV 89460 Property Records

Douglas County property record for 644 Carmel Way, Gardnerville, NV 89460

Property Summary

Property Type	Single Family Home
Details	1,232 sqft · built 1988
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Aug 2025)
Tax Bill	$905 (2026)
Deeds & Mortgages	Aug 2022 Transfer Aug 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1220-21-810-238`

Property Details

APN / Parcel Number

Primary APN	`1220-21-810-238`
Alternative APNs	`000029311380` `29311380`

Interior

Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	1,612 sqft
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	000029311380
Street Address	644 CARMEL WAY
City	GARDNERVILLE
State	NV
Zip	89460-8413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARDNERVILLE RANCHOS #7 LOT 493
Legal Range	20E
Legal Township	12N
Legal Section	21
Legal Subdivision	GARDNERVILLE RANCHOS #7
Legal Block	1
Legal Lot Number	493
Jurisdiction	DOUGLAS NV
Township / Civil Division	GARDNERVILLE-MINDEN
Census Block Group	1
Census Block	1006
Census Tract	1100

Owner

644 Carmel Way is owned and occupied by two individuals who bought it in August 2025.

Source: Douglas County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	644 CARMEL WAY, GARDNERVILLE, NV 89460-8413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 11, 2022	Affidavit of Death of Joint Tenant, Transfer
Aug 11, 2022	Transfer on Death Deed, Transfer
Feb 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Nov 9, 2018	Grant Deed, Transfer · Conventional Mortgage GREATER NV MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2025 · Amount on File
Deed Sale	Aug 19, 2025 · Amount on File
Prior Sale	Nov 9, 2018 · Amount on File
Deed Document Number	20251023933
Prior Transfer Date	Aug 3, 2022
Prior Transfer Doc	0000088339
Record Updated	Sep 20, 2026

August 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	DOUGLAS NV
Recording Date	Aug 11, 2022
Property Address	644 CARMEL WAY, GARDNERVILLE, NV 89460-8413
Document Number	0000088338
Map Reference	MB374 PG676 DOC72456
Instrument Date	Aug 3, 2022
Instrument	2022-988338
Transaction Type	Transfer
Record Updated	Aug 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 CARMEL WAY, GARDNERVILLE, NV 89460-8413

August 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DOUGLAS NV
Recording Date	Aug 11, 2022
Property Address	644 CARMEL WAY, GARDNERVILLE, NV 89460-8413
Document Number	0000088339
Map Reference	MB374 PG676 DOC72456
Instrument Date	Aug 3, 2022
Instrument	2022-988339
Transaction Type	Transfer
Record Updated	Aug 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	644 CARMEL WAY, GARDNERVILLE, NV 89460-8413

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS NV
Property Address	644 CARMEL WAY, GARDNERVILLE, NV 89460-8413
Document Number	0000926393
Instrument Date	Feb 27, 2019
Transaction Type	Mortgage
Record Updated	Mar 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	644 CARMEL WAY GARDNERVILLE NV 894608413, GARDNERVILLE, NV 89460-8413

Mortgage

Document Number	0000926393
Date	Mar 6, 2019
Instrument	926393

Lender

Name	US SMALL BUSN ADMN
Address	EL PASO, TX 79935

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DOUGLAS NV
Recording Date	Nov 9, 2018
Property Address	644 CARMEL WAY, GARDNERVILLE, NV 89460-8413
Document Number	0000921961
Instrument Date	Oct 22, 2018
Instrument	921961
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	TICOR TITLE-GARDNERVILLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,273.74
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 2086 PAHOA HI 967782086, PAHOA, HI 96778-2086

Mortgage

Document Number	921962
Date	Nov 9, 2018
Instrument	921962

Lender

Name	GREATER NV MTG
Type	Mortgage Company
Address	CARSON CITY, NV 89701-8510

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 644 Carmel Way was $905, up 232.7% from the year before.

Source: Douglas County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$905.00 (+232.72%)	$62,743 (+3.84%) Land $31,500 Building $31,243
2025	$272.00 Additional exemption filed	$60,422 Land $28,000 Building $32,422	$172,634 Land $80,000 Building $92,634
2023	$316.00 Additional exemption filed	$59,429 Land $28,000 Building $31,429	$169,797 Land $80,000 Building $89,797
2021			$141,906 Land $60,000 Building $81,906

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 644 Carmel Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 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	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

Wildfire risk around 644 Carmel Way is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · lower than 61% of Nevada
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	GARDNERVILLE RANCHOS GID serves 11,300 people · EPA ID NV0000066
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 426 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: Verizon.

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