954 Iris Ln, Fernley, NV 89408 Property Records

Lyon County property record for 954 Iris Ln, Fernley, NV 89408

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,126 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Jul 2026)
Tax Bill	$2,904 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`020-735-13`

Property Details

APN / Parcel Number

Primary APN	`020-735-13`
Alternative APNs	`020-735-11` `2073513`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,126 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	8,712 sqft (0.2 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Deck Area	109 sqft
Lawn Sprinklers	Lawn Sprinklers

Location & Zoning

Street Address	954 IRIS LN
City	FERNLEY
State	NV
Zip	89408-8427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	CARDINAL CIR TO LN 4704
Legal Subdivision	SHADY GROVE SUB PH 3
Legal Block	2
Legal Lot Number	96
Jurisdiction	LYON NV
Township / Civil Division	FERNLEY
Census Block Group	2
Census Block	2003
Census Tract	960105

Owner

954 Iris Ln is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	954 IRIS LN, FERNLEY, NV 89408-8427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 28, 2026	Bargain and Sale Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
May 24, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 20, 2020	Deed of Trust, Mortgage · VA Mortgage MERIDIAN BANK
Aug 16, 2018	Bargain and Sale Deed, Transfer · VA Mortgage NATIONAL BANK OF KANSAS CITY
Jun 7, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2026 · Amount on File
Deed Sale	Jul 28, 2026 · Amount on File
Prior Sale	Aug 16, 2018 · Amount on File
Deed Document Number	2026711057
Prior Transfer Date	Aug 4, 2020
Prior Transfer Doc	0000630176
Record Updated	Sep 20, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LYON NV
Recording Date	Jul 28, 2026
Property Address	954 IRIS LN, FERNLEY, NV 89408-8427
Document Number	0000711057
Instrument Date	Jul 27, 2026
Instrument	2026711057
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	CENTENNIAL TITLE, FIRST CENTENNIAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175,285.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	954 IRIS LN, FERNLEY, NV 89408-8427

Mortgage

Document Number	0000711058,
Date	Jul 28, 2026
Instrument	2026711058

Lender

Name	MORTGAGE CENTER LLC

Agreement

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

Interest

Rate	6.52%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	954 IRIS LN, FERNLEY, NV 89408-8427
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000637920
Date	May 24, 2021
Instrument	637920

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	91363

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON NV
Property Address	954 IRIS LN, FERNLEY, NV 89408-8427
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	FIDELITY NATIONAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000612571
Date	Mar 20, 2020
Instrument	612571

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

August 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LYON NV
Recording Date	Aug 16, 2018
Property Address	954 IRIS LN, FERNLEY, NV 89408-8427
Document Number	0000584870
Map Reference	FILE314776
Instrument Date	Aug 9, 2018
Instrument	584870
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	TICOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.25
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	155 LYON DR, 155, FERNLEY, NV 89408-8900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	954 IRIS LANE, LAS VEGAS, NV 89108

Mortgage

Document Number	0000584871
Date	Aug 16, 2018
Instrument	584871

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYON NV
Recording Date	Jun 7, 2018
Property Address	954 IRIS LN, FERNLEY, NV 89408-8427
Document Number	0000581785
Instrument Date	May 22, 2018
Instrument	581785
Transaction Type	Transfer
Record Updated	Jun 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	954 IRIS LN FERNLEY NV 894088427, FERNLEY, NV 89408-8427

Tax Assessment & Valuation

The 2026 property tax bill for 954 Iris Ln was $2,904.

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	$2,904.00	$132,769 (+47.56%) Land $50,750 Building $82,019	$379,341 (+5.9%) Land $145,000 Building $234,341
2025		$89,978 Land $42,000 Building $83,378	$358,222 Land $120,000 Building $238,222
2023	$2,723.00 (+8.23%)	$120,594 (+5.15%) Land $42,000 Building $78,594	$344,555 (+5.15%) Land $120,000 Building $224,555
2022	$2,516.00	$114,690 Land $42,000 Building $72,690	$327,685 Land $120,000 Building $207,685

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 954 Iris Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 954 Iris Ln is low, with a 0.01% annual chance of wildfire.

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

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 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 670 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
Verizon Fixed Wireless	300 / 20
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	200 / 30

May also be available: Choice Broadband.

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