Pedestrian bridge over the West Fork Carson River in Hope Valley, headwaters of the river that runs through the Carson Valley. Gardnerville and Minden home loans and mortgage pre-approval with Art Loera, PRMG.
Carson River • Mitch Barrie • CC BY-SA 2.0
Gardnerville & Minden  •  Nevada
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FED FUNDS3.63%+0bp
2-YR4.15%-5bp
10-YR4.63%-5bp
30-YR5.21%-3bp
INFLATION3.5%+0.0pp
HOME PRICES+1.1%+0.2pp
AFFORDABILITY103+1.5
Updated Aug 14, 2026
ART LOERANMLS #367308
CALL ART775-404-0006
THE ART OF LENDING
FED FUNDS3.63%+0bp
2-YR4.15%-5bp
10-YR4.63%-5bp
30-YR5.21%-3bp
INFLATION3.5%+0.0pp
HOME PRICES+1.1%+0.2pp
AFFORDABILITY103+1.5
Updated Aug 14, 2026
ART LOERANMLS #367308
CALL ART775-404-0006
THE ART OF LENDING

Topaz Ranch Estates

Gardnerville · Nevada · with Art Loera, NMLS #367308

Southern Douglas County near Topaz LakeMostly two-acre-and-larger lotsOwn General Improvement DistrictSite-built & manufactured mixZip 89444 · about 5,100 feet

Neighborhood detail is general and moves with the market. No rates, payments, or prices are shown here; ask Art for a full review.

Topaz Ranch Estates · TRE to everyone who lives there · is southern Douglas County's high-desert community, about seventeen miles south of Gardnerville off State Route 208 near Topaz Lake, at roughly 5,100 feet with a 2020 census population around sixteen hundred. Homes sit mostly on two-acre-and-larger lots, and the community runs its own General Improvement District for water and more than two dozen miles of local roads.

The housing mixes site-built and manufactured homes across the same quiet streets, with retirees and working families side by side. Manufactured-home financing earns its place at the front of the list here, conventional carries the site-built stock, VA serves the veteran households, and equity lines help long-time owners put the land to work.

Practical texture: the GID means water and road charges appear as their own district line, foundation and title conversion get confirmed early on anything factory-built, and the community building and park on Carter Drive anchor local life, including county services that reach south to meet residents where they are.

Topaz Lake and its fishing sit minutes away across the state line's edge, and Gardnerville's services are a straight run north on 208 and US-395. Ask Art for a current read on the market before you write an offer.

“In TRE the file starts with two questions · how the home is titled and what the district charges are · and once those are answered on day one, the rest of the loan behaves.”
Art Loera · Reno resident since 1988

TRE was laid out as a rural subdivision in the sagebrush above Topaz Lake, far enough south that it built its own institutions instead of borrowing the valley's: a General Improvement District for the wells, tanks, and roads, a community building at the end of Carter Drive, and the kind of self-reliant neighborly culture that distance produces.

That distance is also the financing story. The stock is a genuine mix of manufactured and site-built on acreage, which most lenders treat as an exception and Art treats as a Tuesday · confirm the title status, read the district charges, and build the payment around the truth of the property.

Landmarks Nearby
Topaz Lake minutes southCommunity building & park on Carter DriveState Route 208 to Wellington

Programs That Fit Here

Schools: Douglas County School District · verify current zoning by address

Getting Around
US-395 south from GardnervilleState Route 208 into the communityAbout seventeen miles south of GardnervilleTopaz Lake at the California line

Where It Sits

SIERRA NEVADAPINE NUT MTNSUS-395CARSON RIVERCARSON CITYMINDENGARDNERVILLETOPAZ RANCH ESTATES

Schematic map · boundaries approximate

Get Pre-Approved →Call · 775-404-0006

More Gardnerville Neighborhoods

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Not a Loan Estimate, not a commitment to lend. Submitting this form does not obtain credit approval. NMLS #367308 · PRMG NMLS #75243 · Licensed in Nevada · Equal Housing Lender.
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