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690 Rose Ln, Fernley, NV, 89408

4beds
3baths
2,549sqft
$699,969
$275price/sqft
$4,243/moest. monthly cost
$169,720/yrincome needed

About This Home

Welcome to this spacious 2,549 sq ft home featuring 4 bedrooms and 3 bathrooms, split floor plan, perfectly situated in the heart of Fernley and close to shopping, dining, and everyday conveniences. This home offers both a formal living room and formal dining area, along with a separate office/den that provides the perfect space for working from home or additional flex use. The current homeowners have added thoughtful, custom touches throughout, including a beautiful built-in bookshelf and entertainment center that anchors the main living space. Step outside to enjoy the fully covered patio, ideal for relaxing or entertaining, along with a covered detached deck that adds even more outdoor living options. Sitting on a generous 0.50-acre lot, this property offers plenty of room to spread out, complete with RV access and an oversized 4-car garage, perfect for all your vehicles, toys, and storage needs. This home truly combines space, functionality, and comfort in a great location, ready for its next owner to make it their own.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

4/10
3/10
Fernley High SchoolGrades 9-122.3 mi
3/10
Fernley Elementary SchoolGrades PK-40.8 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Gas Cooktop,Microwave,Water Softener Owned
  • Laundry features: Cabinets,Laundry Room,Sink,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Breakfast Bar,Ceiling Fan(s),High Ceilings,Kitchen Island,Smart Thermostat,Walk-In Closet(s)
  • Window features: Blinds,Double Pane Windows,Drapes,Rods,Vinyl Frames
  • Flooring: Carpet,Ceramic Tile,Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,549
  • Total interior livable area: 2,549 sqft

Property

Details

  • Parcel number: 02259314
  • Zoning: SF12

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Patio,Deck
  • Exterior features: Rain Gutters
  • Spa features: None
  • Fencing: Full
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 0.50 Acres
  • Features: Landscaped,Level,Sprinklers In Front

Parking

  • Total spaces: 4
  • Parking features: Attached,Garage,Garage Door Opener,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Winter Weather
Earthquake
Heat Wave
Inland Flooding
Lightning
Wildfire

FEMA Declared Disasters Across Nevada Counties

Flood
Mud Landslide
Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,539$42,468
Home Insurance $176$2,112
Property Taxes $291$3,492
Electricity $237$2,854
Total$4,243$50,916

Income You'd Need if You Spent...

35% on housing$145,474/yr
40% on housing$127,290/yr
45% on housing$113,146/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: -1.2%
-1.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 89408$188
Lyon County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 89408$245
Lyon County$250

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-16Listed for sale$739,000
2023-10-20Sold$620,000
2023-10-01Pending sale$627,223
2023-05-26Price change$627,223
2023-04-15Listed for sale$624,723

For Sale by Agent

AgentSavahanna Kelley
BrokerageCardin Realty Pros

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