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643 2nd Creek Dr, Incline Village, NV, 89451

5beds
5baths
5,748sqft
$3,995,000
$695price/sqft
$22,952/moest. monthly cost
$918,080/yrincome needed

About This Home

Meticulously maintained and set on over half an acre, this low-elevation Incline Village home offers more than 5,700 square feet with true main-level living. The primary suite and central living spaces are on the main floor where tall ceilings, a gas fireplace, and southern exposure create a bright, inviting atmosphere throughout the day. The adjacent kitchen features granite countertops and updated appliances, while new composite decks span the full length of both levels, extending the living space outdoors and framing filtered views of Lake Tahoe. The lower level includes an ensuite guest room, additional bedrooms connected by a Jack & Jill bath, a private office, laundry room, dedicated fitness room, expansive bonus room, & a 2,000+ bottle wine cellar. An oversized three-car garage, abundant storage, and established landscaping complete the property. Generous scale, thoughtful updates, and a private setting make this an exceptional year-round retreat near Incline Village amenities.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
Incline Elementary SchoolGrades PK-51.2 mi
5/10
Incline Middle SchoolGrades 6-81.5 mi
8/10
Incline High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1993

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Mountain
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Trash Compactor
  • Laundry features: Laundry in Utility Room,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Wet Bar,Breakfast Bar,Granite Counters,High Ceilings,Kitchen Island,Marble Counters,Main Level Primary,Recessed Lighting,Skylights,Vaulted Ceiling(s),Wine Cellar,Walk-In Closet(s),Wired for Sound,Walk-In Pantry
  • Window features: Skylight(s)
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 2
  • Fireplace features: Two,Wood Burning
  • Fireplace: Yes

Heating

  • Heating features: Hot Water

Interior Area

  • Total interior livable area: 5,748 sqft

Property

Details

  • Parcel number: 12205101
  • Zoning description: Single Family Residential

Features

  • Stories: 2
  • Patio & porch: Balcony,Deck
  • Exterior features: Balcony,Deck,Fence,Sprinkler/Irrigation,Landscaping,Private Yard
  • Has view: Yes
  • View description: Lake,Trees/Woods
  • Has water view: Yes
  • Water view: Lake
  • Topography of land: Sloping

Lot

  • Lot size: 0.63 Acres

Parking

  • Total spaces: 3
  • Parking features: Three Car Garage,Boat,Garage Door Opener,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 WeatherVery High
  • Earthquake
    EarthquakeRelatively High
  • Wildfire
    WildfireRelatively High
  • Avalanche
    AvalancheModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Winter Weather
Earthquake
Wildfire
Avalanche
Inland Flooding

FEMA Declared Disasters Across Nevada Counties

Fire

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 $20,200$242,400
Home Insurance $685$8,220
Property Taxes $1,531$18,372
Electricity $536$6,436
Total$22,952$275,424

Income You'd Need if You Spent...

35% on housing$786,925/yr
40% on housing$688,560/yr
45% on housing$612,053/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: -1.2%
-1.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$695This listing

vs Other Active Listings

Avg $/sqft

ZIP 89451$992
Washoe County$406

vs Homes Sold Last Month

Median $/sqft

ZIP 89451$870
Washoe County$314

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
2026-07-02Listed for sale$3,995,000
2008-07-23Sold$1,640,000
2008-02-26Listed for sale$1,895,000
1997-02-24Sold$975,000
1994-11-15Sold$899,000

For Sale by Agent

AgentLukas Brassie
BrokerageCompass

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