Lyon County property record for 781 E St, Fernley, NV 89408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,264 sqft · built 1978 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Jun 2020) |
| Tax Bill | $1,232 (2026) |
| Deeds & Mortgages | Sep 2023 Line of Credit May 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 020-234-05 |
| Primary APN | 020-234-05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,264 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 781 E ST |
|---|---|
| City | FERNLEY |
| State | NV |
| Zip | 89408-8570 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF6 |
| Legal Description | 13-20-24 FR W2 NE4 |
| Legal Subdivision | GOOD EARTH |
| Legal Block | 4 |
| Legal Lot Number | 9 |
| Jurisdiction | LYON NV |
| Township / Civil Division | FERNLEY |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 960104 |
Source: Lyon County records · APN 020-234-05
Assessment roll updated August 18, 2026 · Last verified August 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 |
|---|---|
| Mailing Address | 781 E ST, FERNLEY, NV 89408-8570 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| May 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Jun 11, 2020 | Affidavit of Death, Transfer WESTERN TITLE INSURANCE COMPANY, WESTERN TITLE INC |
| Jun 11, 2020 | Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Sep 21, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 11, 2020 · Amount on Record |
| Deed Sale | Jun 11, 2020 · Amount on Record |
| Prior Sale | Mar 08, 2012 · Amount on Record |
| Deed Document Number | 2020616360 |
| Prior Transfer Date | Sep 19, 2017 |
| Prior Transfer Doc | 0000570321 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 781 E ST, FERNLEY, NV 89408-8570 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000674106 |
|---|---|
| Date | Sep 20, 2023 |
| Instrument | 674106 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 11, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 781 E ST, FERNLEY, NV 89408-8570 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Title Company | VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000637120 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 637120 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 01, 2051 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | LYON NV |
| Recording Date | Jun 11, 2020 |
| Property Address | 781 E ST, FERNLEY, NV 89408-8570 |
| Document Number | 0000616359 |
| Instrument Date | Jun 04, 2020 |
| Instrument | 616359 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2020 |
| Title Company | WESTERN TITLE INSURANCE COMPANY, WESTERN TITLE INC |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10143 REDEYE CIR FOUNTAIN VALLEY CA 927085221, FOUNTAIN VALLEY, CA 92708-5221 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LYON NV |
| Recording Date | Jun 11, 2020 |
| Property Address | 781 E ST, FERNLEY, NV 89408-8570 |
| Document Number | 0000616360 |
| Instrument Date | Jun 03, 2020 |
| Instrument | 616360 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2020 |
| Title Company | WESTERN TITLE COMPANY LLC, WESTERN TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $858.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 781 E ST FERNLEY NV 894088570, FERNLEY, NV 89408-8570 |
| Document Number | 616361 |
|---|---|
| Date | Jun 11, 2020 |
| Instrument | 616361 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 10, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYON NV |
| Recording Date | Sep 21, 2017 |
| Property Address | 781 E ST, FERNLEY, NV 89408-8570 |
| Document Number | 0000570321 |
| Instrument Date | Sep 19, 2017 |
| Instrument | 570321 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 781 E ST FERNLEY NV 894088570, FERNLEY, NV 89408-8570 |
Source: Lyon County records · Assessment roll updated August 18, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Lyon County |
| Municipality | Fernley City |
| Unified School District | Lyon 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 |
|---|---|---|---|
| 2026 | $1,232.00 (-11.75%) | $86,065 (+10.22%) Land $66,500 Building $19,565 | $245,900 (+10.22%) Land $190,000 Building $55,900 |
| 2023 | $1,396.00 (+7.14%) | $78,086 (+1.35%) Land $57,750 Building $20,336 | $223,104 (+1.35%) Land $165,000 Building $58,104 |
| 2022 | $1,303.00 | $77,043 Land $57,750 Building $19,293 | $220,123 Land $165,000 Building $55,123 |
Source: FEMA National Flood Hazard Layer as of April 12, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Nevada |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Wi-Fiber Fixed Wireless | 200 / 30 |
| ATN International Fixed Wireless | 100 / 25 |
May also be available: AT&T.
Based on FCC filings for 622 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FERNLEY PUBLIC WORKS serves 23,064 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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