645 Harbin Ln, Reno, NV 89509 Property Records

Washoe County property record for 645 Harbin Ln, Reno, NV 89509

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,164 sqft · built 1963
Lot Size	0.217 acres (9,453 sqft)
Owner	2 Trust Names on File
Last Sale	$428,000 (Jan 2019)
Tax Bill	$1,228 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-411-03`

Property Details

APN / Parcel Number

Primary APN	`010-411-03`
Alternative APN	`18879`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,164 sqft Living Area
Gross Area	3,219 sqft
1st Floor Area	2,164 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,453 sqft (0.217 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Porch Area	543 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	645 HARBIN LN
City	RENO
State	NV
Zip	89509-8100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF5
Legal Description	TRUCKEE PARK 2 LOT 5 BLOCK C
Legal Range	19E
Legal Township	19N
Legal Section	16
Legal Subdivision	TRUCKEE PARK 2
Legal Block	C
Legal Lot Number	5
Jurisdiction	WASHOE NV
Township / Civil Division	RENO SOUTHWEST
Census Block Group	3
Census Block	3001
Census Tract	1101

Owner

645 Harbin Ln is owner-occupied and held in a trust since January 2024.

Source: Washoe County records, as of December 10, 2025

Owner of Record	2 Trust Names on File
Mailing Address	645 HARBIN LN, RENO, NV 89509-8100
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY
Jan 14, 2019	Grant Deed, Transfer · Conventional with PMI BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2019 · Amount on File
Deed Sale	Jan 14, 2019 · Amount on File
Prior Sale	Oct 26, 2006 · Amount on File
Deed Document Number	20194880775
Last Transfer Date	Jan 6, 2024
Transfer Doc	0005509240
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHOE NV
Property Address	645 HARBIN LN, RENO, NV 89509-8100
Document Number	0004985582
Instrument Date	Dec 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	ACME TITLE AND ESCROW, ACME TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 HARBIN LN RENO NV 895098100, RENO, NV 89509-8100

Mortgage

Document Number	0004985582
Date	Dec 24, 2019
Instrument	4985582

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 23, 2049

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHOE NV
Recording Date	Jan 14, 2019
Property Address	645 HARBIN LN, RENO, NV 89509-8100
Document Number	0004880775
Instrument Date	Jan 10, 2019
Instrument	4880775
Transaction Type	Transfer
Record Updated	Jan 23, 2019
Title Company	WESTERN TITLE INSURANCE COMPANY, WESTERN TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,754.80
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	645 HARBIN LN RENO NV 895098100, RENO, NV 89509-8100

Mortgage

Document Number	4880776
Date	Jan 14, 2019
Instrument	4880776

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 645 Harbin Ln was $1,228.

Source: Washoe County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Nevada
County	Washoe County
Municipality	Reno City
Unified School District	Washoe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$90,887 (+1.46%) Land $55,265 Building $35,622
2025	$1,228.00	$89,578 Land $54,215 Building $35,363	$255,938 Land $154,900 Building $101,038
2023	$1,479.00	$84,222 Land $51,940 Building $32,282	$240,635 Land $148,400 Building $92,235
2021			$163,178 Land $90,000 Building $73,178

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 645 Harbin Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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

The area around 645 Harbin Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	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 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Net NV Fixed Wireless	1,000 / 1,000
Hot Spot Broadband Fixed Wireless	100 / 50
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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