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Single Family ResidenceResidential
$1,181,558$423 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026

1020 ROCKY TERRACE DR

GARDNERVILLE, NV 89460
0
Baths
2,790 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
2007
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.2M
$1M low$1.3M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$515,037
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$412,030
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.56%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$416,000
WELLS FARGO BANK NA · recorded Mar 5, 2007
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$250,521
JPMORGAN CHASE BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,556 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$266,429 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$96,250
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$170,179
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$267,171
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$761,226

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.50
76
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
77
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
6
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
37
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.58 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyDouglas
Lot (acres)The size of the land the home sits on, from county records.0.36
HeatingThe type of heating system in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Gardnerville Elementary SchoolC-
Elementary · Grades PK–5 · 2.2 mi
M
Carson Valley Middle SchoolA
Middle · Grades 6–8 · 2.3 mi
H
Douglas High SchoolB-
High · Grades 9–12 · 3.4 mi

District: Douglas County School District

Neighborhood · ZIP 89460These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.70
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.367

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.13,821
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.229 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$84,688
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105,406
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.15 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.79%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1020 Rocky Terrace Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 85% of homes in Gardnerville 89460
  • Costs more per square foot than 78% of homes in Gardnerville 89460
  • Bigger than 85% of homes in Gardnerville 89460
  • Newer than 91% of homes in Gardnerville 89460

What homes are worth in Gardnerville 89460

Each bar is how many homes fall in that price range. The marker is this home.

This home
$391K$2.7M

This home is worth more than 85% of homes in Gardnerville 89460.

How it measures up in Gardnerville 89460

The dot is this home. The mark in the middle is the typical home in Gardnerville 89460.

Estimated value$1,181,558
CheaperTypical $599,731Pricier

Pricier than 85% of homes nearby

Price per ft²$423
CheaperTypical $377Pricier

Pricier than 78% of homes nearby

Living area2,790 ft²
SmallerTypical 1,801 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.36 ac
SmallerTypical 0.34 acBigger

Bigger than 53% of homes nearby

Year built2007
OlderTypical 1989Newer

Newer than 91% of homes nearby

How 1020 Rocky Terrace Dr ranks against every home in each area.
MeasureThis homeGardnerville 89460Douglas County
Estimated valuepricier than$1,181,55885% of homes80% of homes
Price per ft²pricier than$42378% of homes66% of homes
Living areabigger than2,790 ft²85% of homes82% of homes
Lot sizebigger than0.36 ac53% of homes56% of homes
Year builtnewer than200791% of homes87% of homes

About 1020 Rocky Terrace Dr

How much is 1020 Rocky Terrace Dr, Gardnerville, NV worth?

The TopHap Estimate for 1020 Rocky Terrace Dr, Gardnerville, NV is $1,181,558 as of Jun 23, 2026. The likely range is $1,027,955 to $1,335,160. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1020 Rocky Terrace Dr, Gardnerville, NV last sell?

1020 Rocky Terrace Dr, Gardnerville, NV last sold on Nov 5, 2024, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 1020 Rocky Terrace Dr, Gardnerville, NV?

1020 Rocky Terrace Dr, Gardnerville, NV has 2,790 square feet of living space and a 0.36-acre lot.

When was 1020 Rocky Terrace Dr, Gardnerville, NV built?

1020 Rocky Terrace Dr, Gardnerville, NV was built in 2007, making it 19 years old. The building has 1 story.

What schools serve 1020 Rocky Terrace Dr, Gardnerville, NV?

1020 Rocky Terrace Dr, Gardnerville, NV is assigned to Gardnerville Elementary School (elementary), rated C-; Carson Valley Middle School (middle), rated A; Douglas High School (high), rated B-. All sit in Douglas County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1020 Rocky Terrace Dr, Gardnerville, NV compare to other homes in Gardnerville 89460?

Among the 5,369 homes in Gardnerville 89460, it is worth more than 85% of them ($1,181,558 against a typical $599,731), its price per square foot is higher than 78% of them ($423 against a typical $377), it is bigger than 85% of them (2,790 ft² against a typical 1,801 ft²), its lot is bigger than 53% of them (0.36 ac against a typical 0.34 ac) and it is newer than 91% of them (2007 against a typical 1989). Measured against all of Douglas County, it is worth more than 80% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1020 Rocky Terrace Dr, Gardnerville, NV?

The 2025 property tax bill for 1020 Rocky Terrace Dr, Gardnerville, NV was $6,556. The county assessed it at $266,429.

Closest homes

More homes in Gardnerville 89460

Assigned schools

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