Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$406,308$229 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

285 SPEAR CT

FERNLEY, NV 89408
3
Beds
2
Baths
1,773 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$406K
$388K low$425K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,401 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$108,526 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$66,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$42,026
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$99,306
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$310,073

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.34
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
56
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
64
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
2
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
40
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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

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
CountyLYON
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1988
Lot (acres)The size of the land the home sits on, from county records.0.23
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 191 ft²Patio · 382 ft²

Transaction History(3)

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
Cottonwood Elementary SchoolC-
Elementary · Grades PK–4 · 1.3 mi
M
Silverland Middle SchoolC-
Middle · Grades 7–8 · 2.1 mi
H
Fernley High School
High · Grades 9–12 · 2.2 mi

District: Lyon County School District

Neighborhood · ZIP 89408These 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.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.220

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.25,760
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.101 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,552
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,839
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.7 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.75%

Owner Tools

Do you own this home?
Claim this home

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

285 Spear Ct 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.

  • Costs less per square foot than 81% of homes in Fernley 89408
  • Has a bigger lot than 69% of homes in Fernley 89408
  • Older than 86% of homes in Fernley 89408

What homes are worth in Fernley 89408

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

This home
$318K$680K

This home is worth more than 43% of homes in Fernley 89408.

How it measures up in Fernley 89408

The dot is this home. The mark in the middle is the typical home in Fernley 89408.

Estimated value$406,308
CheaperTypical $413,364Pricier

Pricier than 43% of homes nearby

Price per ft²$229
CheaperTypical $258Pricier

Pricier than 19% of homes nearby

Living area1,773 ft²
SmallerTypical 1,618 ft²Bigger

Bigger than 64% of homes nearby

Lot size0.23 ac
SmallerTypical 0.19 acBigger

Bigger than 69% of homes nearby

Year built1985
OlderTypical 2003Newer

Newer than 14% of homes nearby

How 285 Spear Ct ranks against every home in each area.
MeasureThis homeFernley 89408Lyon County
Estimated valuepricier than$406,30843% of homes39% of homes
Price per ft²pricier than$22919% of homes21% of homes
Living areabigger than1,773 ft²64% of homes64% of homes
Lot sizebigger than0.23 ac69% of homes40% of homes
Year builtnewer than198514% of homes20% of homes

About 285 Spear Ct

How much is 285 Spear Ct, Fernley, NV worth?

The TopHap Estimate for 285 Spear Ct, Fernley, NV is $406,308 as of Sep 24, 2026. The likely range is $387,607 to $425,009. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 285 Spear Ct, Fernley, NV last sell?

285 Spear Ct, Fernley, NV last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 285 Spear Ct, Fernley, NV?

285 Spear Ct, Fernley, NV has 3 bedrooms, 2 bathrooms, 1,773 square feet of living space and a 0.23-acre lot.

When was 285 Spear Ct, Fernley, NV built?

285 Spear Ct, Fernley, NV was built in 1985, making it 41 years old. The building has 1 story.

What schools serve 285 Spear Ct, Fernley, NV?

285 Spear Ct, Fernley, NV is assigned to Cottonwood Elementary School (elementary), rated C-; Silverland Middle School (middle), rated C-; Fernley High School (high). All sit in Lyon County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 285 Spear Ct, Fernley, NV compare to other homes in Fernley 89408?

Among the 8,742 homes in Fernley 89408, it is worth more than 43% of them ($406,308 against a typical $413,364), its price per square foot is higher than 19% of them ($229 against a typical $258), it is bigger than 64% of them (1,773 ft² against a typical 1,618 ft²), its lot is bigger than 69% of them (0.23 ac against a typical 0.19 ac) and it is newer than 14% of them (1985 against a typical 2003). Measured against all of Lyon County, it is worth more than 39% 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 285 Spear Ct, Fernley, NV?

The 2026 property tax bill for 285 Spear Ct, Fernley, NV was $1,401. The county assessed it at $108,526.

More homes on Spear Ct

Closest homes

More homes in Fernley 89408

Assigned schools

Explore the area

See this home in context

Open 285 Spear Ct on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map