if the homeowner did a refi, it may not appear in the County Records,
or, if it has been a long time since they bought, we can't tell how much they have paid off.
Normally, it doesn't matter;
because the amount they owe, is probably more than the house is WORTH.
You should concern yourself with what the Market Value of the house is;
Consult a Realtor to do a CMA.
Good luck and may God bless
I don't see an associated property with your question. If you can provide a specific address, I can find out if there are any HOA fees. Not all properties in Reno/Sparks have HOA's and those that do can differ greatly in fees and what they provide the homeowners.