Washoe County property record for 645 Ruby Creek Ln, Reno, NV 89506 · Last verified January 2026
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,404 sqft · built 2003 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $162,000 (Mar 2017) |
| Tax Bill | $834 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-661-22 |
| Primary APN | 003-661-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 1,404 sqft |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.119 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 56 sqft |
| Deck Area | 68 sqft |
| Patio Area | 68 sqft |
| Fence | Fence |
| Mobile Home / RV Hookup | Mobile Home / RV Hookup |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 6211 |
|---|---|
| Street Address | 645 RUBY CREEK LN |
| City | RENO |
| State | NV |
| Zip | 89506-7007 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | TENAYA CREEK LT 30 BLK A |
| Legal Range | 19 |
| Legal Township | 20 |
| Legal Section | 26 |
| Legal Subdivision | TENAYA CREEK |
| Legal Block | A |
| Legal Lot Number | 30 |
| Jurisdiction | WASHOE NV |
| Township / Civil Division | NORTH VALLEYS |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 2622 |
Source: Washoe County records · APN 003-661-22
Assessment roll updated January 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 645 RUBY CREEK LN, RENO, NV 89506-7007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Mar 10, 2017 | Bargain and Sale Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 10, 2017 · Amount on Record |
| Deed Sale | Mar 10, 2017 · Amount on Record |
| Prior Sale | Jan 14, 2005 · Amount on Record |
| Deed Document Number | 4686636 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHOE NV |
| Property Address | 645 RUBY CREEK LN, RENO, NV 89506-7007 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST CENTENNIAL TTL RENO MA |
| Name | Verified Name |
|---|
| Document Number | 0005029562 |
|---|---|
| Date | May 13, 2020 |
| Instrument | 5029562 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WASHOE NV |
| Recording Date | Mar 10, 2017 |
| Property Address | 645 RUBY CREEK LN, RENO, NV 89506-7007 |
| Document Number | 0004686636 |
| Map Reference | FILE2323116 |
| Instrument Date | Mar 09, 2017 |
| Instrument | 4686636 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Title Company | FIRST CENTENHNNIAL RENO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $664.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 645 RUBY CREEK LN, RENO, NV 89506-7007 |
| Document Number | 0004686637 |
|---|---|
| Date | Mar 10, 2017 |
| Instrument | 4686637 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2047 |
Source: Washoe County records · Assessment roll updated January 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Washoe County |
| Municipality | Reno City |
| Unified School District | Washoe County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $834.00 (+5.97%) | $59,177 (+3.02%) Land $21,700 Building $37,477 | $169,077 (+3.02%) Land $62,000 Building $107,077 |
| 2023 | $787.00 | $57,443 Land $22,330 Building $35,113 | $164,124 Land $63,800 Building $100,324 |
Source: FEMA National Flood Hazard Layer, Washoe County (32031C), updated May 17, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 70% of the US · above 43% of Nevada |
|---|---|
| Wildfire Likelihood | About 1 in 474 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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