Lyon County property record for 856 Divot Dr, Fernley, NV 89408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,788 sqft · built 2003 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $719 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 020-552-77 |
| Primary APN | 020-552-77 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,788 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Area | 1,209 sqft |
| Parking Spaces | 5 Parking Spaces |
| Lawn Sprinklers | Lawn Sprinklers |
| Street Address | 856 DIVOT DR |
|---|---|
| City | FERNLEY |
| State | NV |
| Zip | 89408-6695 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF6 |
| Legal Description | 23-20-25 FR NE4 CREATED FROM SPLIT OF PARCEL # 021-306-12 |
| Legal Subdivision | DESERT LAKES |
| Legal Block | 1 |
| Legal Lot Number | 530 |
| Jurisdiction | LYON NV |
| Township / Civil Division | FERNLEY |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 960108 |
Source: Lyon County records, as of August 18, 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 Record |
|---|---|
| Mailing Address | 856 DIVOT DR, FERNLEY, NV 89408-6695 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · VA Mortgage SAXTON MORTGAGE LLC |
| Apr 5, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 856 DIVOT DR, FERNLEY, NV 89408-6695 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 856 DIVOT DR, FERNLEY, NV 89408-6695 |
| Document Number | 0000702667 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | 702667 |
| Name | SAXTON MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92130 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON NV |
| Property Address | 856 DIVOT DR, FERNLEY, NV 89408-6695 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0000634652 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 634652 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
Source: Lyon County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Lyon County |
| Municipality | Fernley City |
| Unified School District | Lyon County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $719.00 (-70.23%) | $90,476 (+3.01%) Land $52,500 Building $78,016 | $372,904 (+2.96%) Land $150,000 Building $222,904 |
| 2025 | $87,830 (-28.11%) Land $47,250 Building $79,520 | $362,200 (+3.77%) Land $135,000 Building $227,200 | |
| 2023 | $2,415.00 (+101.42%) | $122,169 (+5.35%) Land $47,250 Building $74,919 | $349,055 (+5.35%) Land $135,000 Building $214,055 |
| 2022 | $1,199.00 | $115,966 Land $47,250 Building $68,716 | $331,331 Land $135,000 Building $196,331 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 76% of Nevada |
|---|---|
| Wildfire Likelihood | 0.06% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| Tristate Wi-Fi by Wi-Fiber Fixed Wireless | 200 / 30 |
May also be available: Verizon.
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