Elko County property record for 768 Clover Dr, Spring Creek, NV 89815
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,696 sqft · built 2013 |
| Lot Size | 2.05 acres (89,298 sqft) |
| Owner | Individual Name on File |
| Last Sale | $410,000 (Jun 2026) |
| Tax Bill | $3,232 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Mar 2026 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043-014-014 |
| Primary APN | 043-014-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,696 sqft Living Area |
| Gross Area | 2,272 sqft |
| 1st Floor Area | 1,696 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 89,298 sqft |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 768 CLOVER DR |
|---|---|
| City | SPRING CREEK |
| State | NV |
| Zip | 89815-7358 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | TRACT 401 SPRING CREEK CORPORATION FILE 67520 |
| Legal Subdivision | SPRING CREEK TRACT 401 |
| Legal Tract | 401 |
| Legal Block | 14 |
| Legal Lot Number | 14 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 951201 |
768 Clover Dr is owned and occupied by an individual who bought it in June 2026.
Source: Elko County records, as of September 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 768 CLOVER DR, SPRING CREEK, NV 89815-7358 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 26, 2026 | Bargain and Sale Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY |
| Mar 11, 2026 | Intrafamily Transfer, Transfer · Line of Credit GREATER NEVADA CU |
| Aug 26, 2019 | Quit Claim Deed, Transfer WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS |
| Aug 26, 2019 | Grant Deed, Transfer · Conventional with PMI CITYWIDE HMS LNS |
| May 29, 2018 | Grant Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2026 · Amount on File |
| Deed Sale | Jun 26, 2026 · Amount on File |
| Prior Sale | Aug 26, 2019 · Amount on File |
| Deed Document Number | 2026866403 |
| Prior Transfer Date | Mar 6, 2026 |
| Prior Transfer Doc | 0000861894 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jun 26, 2026 |
| Property Address | 768 CLOVER DR, SPRING CREEK, NV 89815-7358 |
| Document Number | 0000866403 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 2026866403 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | MAGNUS TITLE AGENCY, MAGNUS TITLE AGENCY OF NEVADA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $161,499.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 768 CLOVER DR, SPRING CREEK, NV 89815-7358 |
| Document Number | 0000866404, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 2026866404 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Mar 11, 2026 |
| Property Address | 768 CLOVER DR, SPRING CREEK, NV 89815-7358 |
| Document Number | 0000861894 |
| Map Reference | FILE 67520 |
| Instrument Date | Mar 6, 2026 |
| Instrument | 861894 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 768 CLOVER DR, SPRING CREEK, NV 89815-7358 |
| Document Number | 0000861895 |
|---|---|
| Date | Mar 11, 2026 |
| Instrument | 861895 |
| Name | GREATER NEVADA CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 28, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Aug 26, 2019 |
| Property Address | 768 CLOVER DR, SPRING CREEK, NV 89815-7358 |
| Document Number | 0000758458 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 758458 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2019 |
| Title Company | WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 768 CLOVER DR SPRING CREEK NV 898157358, SPRING CREEK, NV 89815-7358 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Aug 26, 2019 |
| Property Address | 768 CLOVER DR, SPRING CREEK, NV 89815-7358 |
| Document Number | 0000758459 |
| Instrument Date | Aug 21, 2019 |
| Instrument | 758459 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2019 |
| Title Company | WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,013.61 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 768 CLOVER DR SPRING CREEK NV 898157358, SPRING CREEK, NV 89815-7358 |
| Document Number | 758460 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 758460 |
| Name | CITYWIDE HMS LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | SANDY, UT 84070 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 25, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | May 29, 2018 |
| Property Address | 768 CLOVER DR, SPRING CREEK, NV 89815-7358 |
| Document Number | 0000741288 |
| Instrument Date | May 18, 2018 |
| Instrument | 741288 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,010.10 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 768 CLOVER DR SPRING CREEK NV 898157358, SPRING CREEK, NV 89815-7358 |
| Document Number | 741289 |
|---|---|
| Date | May 29, 2018 |
| Instrument | 741289 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 28, 2048 |
The 2026 property tax bill for 768 Clover Dr was $3,232, down 1.5% from the year before.
Source: Elko County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Unified School District | Elko County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,232.00 (-1.52%) | $120,650 (-1.54%) Land $21,000 Building $99,650 | $344,714 (-1.54%) Land $60,000 Building $284,714 |
| 2025 | $3,282.00 (+13.64%) | $122,537 Land $21,000 Building $101,537 | $350,106 Land $60,000 Building $290,106 |
| 2024 | $2,888.00 (+8%) | ||
| 2023 | $2,674.00 (+8%) | $107,233 (+16.03%) Land $11,200 Building $96,033 | $306,380 (+16.03%) Land $32,000 Building $274,380 |
| 2022 | $2,476.00 | $92,421 Land $11,200 Building $81,221 | $264,060 Land $32,000 Building $232,060 |
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.
FEMA maps place 768 Clover Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 23, 2023 · 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 risk around 768 Clover Dr is extreme, ranking above 95% of the US, with a 2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 95% of the US · above 87% of Nevada |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Anthem Broadband of Nevada Fiber | 2,000 / 2,000 |
| CC Communications Broadband Fiber | 1,000 / 1,000 |
| White Cloud Communications Fixed Wireless | 200 / 50 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Rise Broadband Fixed Wireless | 100 / 20 |
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