Elko County property record for 797 Clover Dr, Spring Creek, NV 89815
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,656 sqft · built 2012 |
| Lot Size | 5.25 acres (228,690 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $399,000 (Jan 2021) |
| Tax Bill | $3,910 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Apr 2025 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 049-003-005 |
| Primary APN | 049-003-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,656 sqft Living Area |
| Gross Area | 4,128 sqft |
| 1st Floor Area | 1,656 sqft |
| Basement Area | 1,656 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 228,690 sqft |
| Garage Type | Attached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 797 CLOVER DR |
|---|---|
| City | SPRING CREEK |
| State | NV |
| Zip | 89815-7360 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | TRACT 403 SPRING CREEK CORPORATION FILE 72493 |
| Legal Subdivision | SPRING CREEK TRACT 403 |
| Legal Tract | 403 |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 951201 |
797 Clover Dr is owned and occupied by two individuals who bought it in January 2021.
Source: Elko County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 797 CLOVER DR, SPRING CREEK, NV 89815-7360 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 20, 2026 | Deed of Trust, Mortgage · VA Mortgage CHURCHILL MORTGAGE CORP |
| Apr 7, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MOUNTAIN AMERICA FCU |
| Feb 14, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MOUNTAIN AMERICA FCU |
| Jan 15, 2021 | Bargain and Sale Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2021 · Amount on File |
| Deed Sale | Jan 15, 2021 · Amount on File |
| Prior Sale | Dec 16, 2016 · Amount on File |
| Deed Document Number | 2021780801 |
| Prior Transfer Date | Nov 7, 2013 |
| Prior Transfer Doc | 0000680416 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 797 CLOVER DR, SPRING CREEK, NV 89815-7360 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|---|
| Address | 797 CLOVER DR, SPRING CREEK, NV 89815-7360 |
| Document Number | 0000859883 |
|---|---|
| Date | Jan 20, 2026 |
| Instrument | 859883 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | BRENTWOOD, TN 37027 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 797 CLOVER DR, SPRING CREEK, NV 89815-7360 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000848195 |
|---|---|
| Date | Apr 7, 2025 |
| Instrument | 848195 |
| Name | MOUNTAIN AMERICA FCU |
|---|---|
| Type | Credit Union |
| Address | SANDY, UT 84070 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 3, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 797 CLOVER DR, SPRING CREEK, NV 89815-7360 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000816349 |
|---|---|
| Date | Feb 14, 2023 |
| Instrument | 816349 |
| Name | MOUNTAIN AMERICA FCU |
|---|---|
| Type | Credit Union |
| Address | SANDY, UT 84070 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Feb 12, 2030 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jan 15, 2021 |
| Property Address | 797 CLOVER DR, SPRING CREEK, NV 89815-7360 |
| Document Number | 0000780801 |
| Instrument Date | Jan 15, 2021 |
| Instrument | 780801 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2025 |
| Title Company | WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO OF NV |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,556.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 765 E 800 N, PRICE, UT 84501-1913 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 767 CLOVER DR, SPRING CREEK, NV 89815-7305 |
| Document Number | 0000780802 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 780802 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2026 property tax bill for 797 Clover Dr was $3,910, up 3% 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 | $3,910.00 (+3%) | $155,231 (-1.64%) Land $31,500 Building $123,731 | $443,517 (-1.64%) Land $90,000 Building $353,517 |
| 2025 | $3,796.00 | $157,825 Land $31,500 Building $126,325 | $450,929 Land $90,000 Building $360,929 |
| 2023 | $3,269.00 (+4.57%) | $136,817 (+17.24%) Land $17,500 Building $119,317 | $390,906 (+17.24%) Land $50,000 Building $340,906 |
| 2022 | $3,126.00 | $116,694 Land $17,500 Building $99,194 | $333,411 Land $50,000 Building $283,411 |
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 797 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 797 Clover Dr is extreme, ranking above 98% of the US, with a 3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 98% of the US · above 93% of Nevada |
|---|---|
| Wildfire Likelihood | 3% 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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