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646 Carmel Way, Gardnerville, NV 89460 Property Records

Douglas County property record for 646 Carmel Way, Gardnerville, NV 89460

Property Summary

Property TypeSingle Family Home
Details1,232 sqft · built 1988
Lot Size0.2 acres (8,712 sqft)
Owner2 Trust Names on File
Last Sale$505,000 (Jun 2026)
Tax Bill$1,582 (2026)
Deeds & MortgagesJun 2026 Sale
Jun 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1220-21-810-239

Property Details

APN / Parcel Number

Primary APN1220-21-810-239
Alternative APNs
  • 000029311370
  • 29311370

Interior

Stories1 Story
Building Area1,232 sqft Living Area
Gross Area1,612 sqft
1st Floor Area1,232 sqft

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Lot Area8,712 sqft (0.2 acres)
Garage TypeAttached
Garage Area380 sqft
Parking Spaces1 Parking Space

Location & Zoning

Old Parcel Number000029311370
Street Address646 CARMEL WAY
CityGARDNERVILLE
StateNV
Zip89460-8413
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGARDNERVILLE RANCHOS #7 LOT 492
Legal Range20E
Legal Township12N
Legal Section21
Legal SubdivisionGARDNERVILLE RANCHOS #7
Legal Block1
Legal Lot Number492
JurisdictionDOUGLAS NV
Township / Civil DivisionGARDNERVILLE-MINDEN
Census Block Group1
Census Block1006
Census Tract1100

Owner

646 Carmel Way is held in a trust since June 2026.

Source: Douglas County records, as of October 20, 2026

Owner of Record2 Trust Names on File
Mailing Address1023 RIVERVIEW DR, GARDNERVILLE, NV 89460-8906
Owner TypeCompany
VestingTrust, Family 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

DateDocument
Jun 26, 2026Bargain and Sale Deed, Transfer
CENTENNIAL TITLE, FIRST CENTENNIAL TITLE
Jun 5, 2023Bargain and Sale Deed, Transfer · VA Mortgage
GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 26, 2026 · Amount on File
Deed SaleJun 26, 2026 · Amount on File
Prior SaleJun 5, 2023 · Amount on File
Deed Document Number20261034930
Record UpdatedOct 29, 2026

June 2026: Bargain and Sale Deed, Transfer

Document TypeBargain and Sale Deed
JurisdictionDOUGLAS NV
Recording DateJun 26, 2026
Property Address646 CARMEL WAY, GARDNERVILLE, NV 89460-8413
Document Number0001034930
Instrument DateJun 24, 2026
Instrument20261034930
Transaction TypeTransfer
Record UpdatedJul 7, 2026
Title CompanyCENTENNIAL TITLE, FIRST CENTENNIAL TITLE

Transaction

AmountAmount on Record
Tax$198,919.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address1023 RIVERVIEW DR, GARDNERVILLE, NV 89460-8906
InvestorPossibly a Property Investor

June 2023: Bargain and Sale Deed, Transfer

Document TypeBargain and Sale Deed
JurisdictionDOUGLAS NV
Recording DateJun 5, 2023
Property Address646 CARMEL WAY, GARDNERVILLE, NV 89460-8413
Document Number0000097122
Map ReferenceDOC 72456
Instrument DateMay 26, 2023
Instrument2023-997122
Transaction TypeTransfer
Record UpdatedAug 21, 2023
Title CompanyNOT AVAILABLE, SIGNATURE TITLE COMPANY LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,747.20
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1311 KIM PL, MINDEN, NV 89423-9005

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address646 CAMEL WAY, GARDNERVILLE, NV 89460-8413

Mortgage

Document Number0000097123
DateJun 5, 2023
Instrument2023-997123
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 646 Carmel Way was $1,582, up 6.1% from the year before.

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

Property Jurisdictions

TypeName
StateNevada
CountyDouglas County
Unified School DistrictDouglas County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,582.00 (+6.1%)$62,689 (+3.86%) Land $31,500 Building $31,189
2025$1,491.00$60,361 Land $28,000 Building $32,361$172,460 Land $80,000 Building $92,460
2023$1,473.00 (+7.99%)$58,725 (+12.19%) Land $28,000 Building $30,725$167,786 (+12.19%) Land $80,000 Building $87,786
2022$1,364.00$52,346 Land $23,100 Building $29,246$149,560 (+6.74%) Land $66,000 Building $83,560
2021$140,111 Land $60,000 Building $80,111

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 646 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 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 646 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 RiskModerate
above 65% of the US · lower than 61% of Nevada
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemGARDNERVILLE RANCHOS GID
serves 11,300 people · EPA ID NV0000066
Water SourceGroundwater
Last State InspectionAug 2023
LeadUnder 1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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