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Single Family ResidenceResidential
$402,099$246 / 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 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $380,000 on Feb 23, 2024

521 RIVER RANCH RD

FERNLEY, NV 89408
3
Beds
2
Baths
1,635 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
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

$402K
$388K low$416K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$380,000 · Feb 23, 2024
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.$15,069
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$12,055
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.97%
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.$368,600
NOVA FINANCIAL & INVESTMENT CORP · recorded Feb 23, 2024
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.$18,430
NOVA FINANCIAL & INVESTMENT CORP

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,815 (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.$107,685 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$43,750
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$63,935
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$108,102
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$307,671

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.32
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
66
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
Lot (acres)The size of the land the home sits on, from county records.0.14
HeatingThe type of heating system in the home.None
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.Sprinklers

Transaction History(5)

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.

M
Silverland Middle SchoolD-
Middle · Grades 7–8 · 0.9 mi
H
Fernley High SchoolD
High · Grades 9–12 · 1.9 mi
E
East Valley Elementary SchoolC-
Elementary · Grades PK–4 · 4.1 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%

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.No

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

521 River Ranch Rd 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.

  • Has a smaller lot than 96% of homes in Lyon County
  • Newer than 69% of homes in Lyon County

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
$316K$686K

This home is worth more than 49% 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$402,099
CheaperTypical $403,902Pricier

Pricier than 49% of homes nearby

Price per ft²$246
CheaperTypical $253Pricier

Pricier than 41% of homes nearby

Living area1,635 ft²
SmallerTypical 1,608 ft²Bigger

Bigger than 53% of homes nearby

Lot size0.14 ac
SmallerTypical 0.19 acBigger

Bigger than 5% of homes nearby

Year built2004
OlderTypical 2003Newer

Newer than 65% of homes nearby

How 521 River Ranch Rd ranks against every home in each area.
MeasureThis homeFernley 89408Lyon County
Estimated valuepricier than$402,09949% of homes43% of homes
Price per ft²pricier than$24641% of homes41% of homes
Living areabigger than1,635 ft²53% of homes54% of homes
Lot sizebigger than0.14 ac5% of homes4% of homes
Year builtnewer than200465% of homes69% of homes

About 521 River Ranch Rd

How much is 521 River Ranch Rd, Fernley, NV worth?

The TopHap Estimate for 521 River Ranch Rd, Fernley, NV is $402,099 as of Jul 14, 2026. The likely range is $387,780 to $416,418. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 521 River Ranch Rd, Fernley, NV last sell?

521 River Ranch Rd, Fernley, NV last sold on Feb 23, 2024 for $380,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 521 River Ranch Rd, Fernley, NV?

521 River Ranch Rd, Fernley, NV has 3 bedrooms, 2 bathrooms, 1,635 square feet of living space and a 0.14-acre lot.

When was 521 River Ranch Rd, Fernley, NV built?

521 River Ranch Rd, Fernley, NV was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 521 River Ranch Rd, Fernley, NV?

521 River Ranch Rd, Fernley, NV is assigned to Silverland Middle School (middle), rated D-; Fernley High School (high), rated D; East Valley Elementary School (elementary), rated C-. All sit in Lyon County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 521 River Ranch Rd, Fernley, NV compare to other homes in Fernley 89408?

Among the 8,666 homes in Fernley 89408, it is worth more than 49% of them ($402,099 against a typical $403,902), its price per square foot is higher than 41% of them ($246 against a typical $253), it is bigger than 53% of them (1,635 ft² against a typical 1,608 ft²), its lot is bigger than 5% of them (0.14 ac against a typical 0.19 ac) and it is newer than 65% of them (2004 against a typical 2003). Measured against all of Lyon County, it is worth more than 43% 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 521 River Ranch Rd, Fernley, NV?

The 2025 property tax bill for 521 River Ranch Rd, Fernley, NV was $1,815. The county assessed it at $107,685.

Closest homes

More homes in Fernley 89408

Assigned schools

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