751 Divot Dr, Fernley, NV 89408 Property Records

Lyon County property record for 751 Divot Dr, Fernley, NV 89408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,959 sqft · built 2003
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$468,000 (Jun 2026)
Tax Bill	$3,040 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`020-522-51`

Property Details

APN / Parcel Number

Primary APN	`020-522-51`
Alternative APNs	`021-306-12` `2052251`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,959 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	8,712 sqft (0.2 acres)
Garage Area	761 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	751 DIVOT DR
City	FERNLEY
State	NV
Zip	89408-6675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	22-20-25 FR E2 E2 CREATED FROM SPLIT OF PARCEL # 021-306-12
Legal Subdivision	DESERT LAKES
Legal Block	1
Legal Lot Number	147
Jurisdiction	LYON NV
Township / Civil Division	FERNLEY
Census Block Group	1
Census Block	1012
Census Tract	960108

Owner

751 Divot Dr is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	751 DIVOT DR, FERNLEY, NV 89408-6675
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Jun 30, 2026	Bargain and Sale Deed, Transfer · VA Mortgage UNIMORTGAGE LLC
Sep 19, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 8, 2020	Deed of Trust, Mortgage · VA Mortgage ISERVE RESID'L LNDG
Jun 12, 2018	Grant Deed, Transfer ISERVE RESID'L LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Jun 12, 2018 · Amount on File
Deed Document Number	2026710070
Prior Transfer Date	Jan 29, 2014
Prior Transfer Doc	0000517864
Record Updated	Sep 20, 2026

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LYON NV
Recording Date	Jun 30, 2026
Property Address	751 DIVOT DR, FERNLEY, NV 89408-6675
Document Number	0000710070
Instrument Date	Jun 27, 2026
Instrument	2026710070
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	CENTENNIAL TITLE, FIRST CENTENNIAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$184,345.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	751 DIVOT DR, FERNLEY, NV 89408-6675

Mortgage

Document Number	0000710071,
Date	Jun 30, 2026
Instrument	2026710071

Lender

Name	UNIMORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	751 DIVOT DR, FERNLEY, NV 89408-6675
Transaction Type	Mortgage
Record Updated	Oct 17, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	751 DIVOT DR, FERNLEY, NV 89408-6675

Mortgage

Document Number	0000674083
Date	Sep 19, 2023
Instrument	674083

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	751 DIVOT DR, FERNLEY, NV 89408-6675
Document Number	0000616593
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	FIRST CENTENNIAL - RENO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	751 DIVOT DR FERNLEY NV 894086675, FERNLEY, NV 89408-6675

Mortgage

Document Number	0000616593
Date	Jun 16, 2020
Instrument	616593

Lender

Name	ISERVE RESID'L LNDG
Address	SAN DIEGO, CA 92127

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LYON NV
Recording Date	Jun 12, 2018
Property Address	751 DIVOT DR, FERNLEY, NV 89408-6675
Document Number	0000582011
Instrument Date	Jun 7, 2018
Instrument	582011
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	TICOR TITLE-FERNLEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,131.00
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	751 DIVOT DR FERNLEY NV 894086675, FERNLEY, NV 89408-6675

Mortgage

Document Number	582012
Date	Jun 12, 2018
Instrument	582012

Lender

Name	ISERVE RESID'L LNDG
Address	SAN DIEGO, CA 92128

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 751 Divot Dr was $3,040.

Source: Lyon County assessment roll, as of August 18, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,040.00	$132,980 (+34.66%) Land $43,750 Building $89,230	$379,942 (+2.97%) Land $125,000 Building $254,942
2025		$98,750 Land $38,500 Building $90,650	$369,001 Land $110,000 Building $259,001
2023	$1,843.00 (+6.9%)	$90,677 (-22.36%)	$354,505 (+6.23%) Land $110,000 Building $244,505
2022	$1,724.00	$116,796 Land $38,500 Building $78,296	$333,704 Land $110,000 Building $223,704

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.

Flood

FEMA maps place 751 Divot Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 12, 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
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 751 Divot Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 82% of Nevada
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	FERNLEY PUBLIC WORKS serves 23,064 people · EPA ID NV0000062
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	200 / 30

May also be available: Verizon.

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