102 River St, Elko, NV 89801 Property Records

Elko County property record for 102 River St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,364 sqft · built 1935
Lot Size	0.057 acres (2,483 sqft)
Owner	Individual Name on Record
Last Sale	$141,000 (Jul 2026)
Tax Bill	$708 (2025)
Deeds & Mortgages	Jul 2026 Sale Dec 2019 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`001-391-001`

Property Details

APN / Parcel Number

Primary APN	`001-391-001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,364 sqft Living Area
Gross Area	1,628 sqft
1st Floor Area	1,364 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Other
Lot Area	2,483 sqft (0.057 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Street Address	102 RIVER ST
City	ELKO
State	NV
Zip	89801-3645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZGI
Legal Description	CENTRAL ADDITION FILE 3
Legal Subdivision	CENTRAL ADDITION
Legal Block	C
Legal Lot Number	12
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2040
Census Tract	951000

Owner

Source: Elko County records, as of August 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2972 CLUBINE RD, LAMOILLE, NV 89828
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Trustee's Deed, Transfer NONE LISTED ON DOCUMENT
Dec 19, 2019	Quit Claim Deed, Transfer WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS
Dec 19, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Prior Sale	Dec 19, 2019 · Amount on Record
Deed Document Number	2026867535
Record Updated	Sep 20, 2026

July 2026: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	ELKO NV
Recording Date	Jul 20, 2026
Property Address	102 RIVER ST, ELKO, NV 89801-3645
Document Number	0000867535
Instrument Date	Jul 15, 2026
Instrument	2026867535
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$55,539.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2972 CLUBINE RD, LAMOILLE, NV 89828

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	Dec 19, 2019
Property Address	102 RIVER ST, ELKO, NV 89801-3645
Document Number	0000763530
Instrument Date	Dec 11, 2019
Instrument	763530
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	102 RIVER ST ELKO NV 898013645, ELKO, NV 89801-3645

December 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Dec 19, 2019
Property Address	102 RIVER ST, ELKO, NV 89801-3645
Document Number	0000763529
Instrument Date	Aug 9, 2019
Instrument	763529
Transaction Type	Transfer
Record Updated	Nov 8, 2022
Title Company	WFG NATIONAL TITLE CO OF NV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$702.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	707 LAST CHANCE RD UNIT 14, 707, ELKO, NV 89801-8713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 RIVER ST, ELKO, NV 89801-3645

Mortgage

Document Number	0000763531
Date	Dec 19, 2019
Instrument	763531

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Elko County assessment roll, as of July 30, 2025

Property Jurisdictions

Type	Name
State	Nevada
County	Elko County
Municipality	Elko City
Unified School District	Elko County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$708.00 (+13.28%)	$24,909 (+18.63%) Land $5,250 Building $19,659	$71,169 (+18.63%) Land $15,000 Building $56,169
2023	$625.00 (+2.97%)	$20,997 (+16.69%) Land $3,060 Building $17,937	$59,992 (+16.69%) Land $8,743 Building $51,249
2022	$607.00	$17,994 Land $3,060 Building $14,934	$51,412 Land $8,743 Building $42,669

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 23, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	5 (2005–2017)
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 43% of Nevada
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ELKO serves 23,000 people · EPA ID NV0000272
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 341 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Anthem Broadband of Nevada Fiber	2,000 / 2,000
Zito Media Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
White Cloud Communications Fixed Wireless · Fiber in parts of the area	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: CC Communications Broadband, Rise Broadband.

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