1037 River St, Elko, NV 89801 Property Records

Elko County property record for 1037 River St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,690 sqft · built 1953
Lot Size	0.215 acres (9,365 sqft)
Owner	Individual Name on File
Tax Bill	$1,384 (2026)
Deeds & Mortgages	Nov 2020 Reverse Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-365-013`

Property Details

APN / Parcel Number

Primary APN	`001-365-013`
Alternative APN	`001-365-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,690 sqft Living Area
Gross Area	2,590 sqft
1st Floor Area	1,690 sqft
Interior Walls	Concrete

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Earth
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.215 acres)
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	3 Parking Spaces
Deck Area	258 sqft
Patio Area	258 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1037 RIVER ST
City	ELKO
State	NV
Zip	89801-3930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	PARCEL 1, MAP FILE 640388 LOCATED IN MDB&M CREATED BY CONSOLIDATON OF 001-365-009 AND 001-365-012
Legal Range	55E
Legal Township	34N
Legal Section	15
Legal Subdivision	BALLOU ADDITION
Legal Block	2
Legal Lot Number	16
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2022
Census Tract	951300

Owner

1037 River St is owned and occupied by an individual.

Source: Elko County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	1037 RIVER ST, ELKO, NV 89801-3930
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Oct 20, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jun 24, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Jun 24, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1037 RIVER ST, ELKO, NV 89801-3930
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1037 RIVER ST, ELKO, NV 89801-3930

Mortgage

Document Number	0000776510
Date	Nov 4, 2020
Instrument	776510

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1037 RIVER ST, ELKO, NV 89801-3930
Document Number	0000776511
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Nov 13, 2020
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1037 RIVER ST ELKO NV 898013930, ELKO, NV 89801-3930

Mortgage

Document Number	0000776511
Date	Nov 4, 2020
Instrument	776511

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1020 Months

Interest

Rate	2.77%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1037 RIVER ST, ELKO, NV 89801-3930
Document Number	0000727639
Instrument Date	Jun 24, 2017
Transaction Type	Mortgage
Record Updated	Jul 27, 2017
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1037 RIVER ST ELKO NV 898013930, ELKO, NV 89801-3930

Mortgage

Document Number	0000727639
Date	Jun 30, 2017
Instrument	727639

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	4.47%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1037 RIVER ST, ELKO, NV 89801-3930
Document Number	0000727640
Instrument Date	Jun 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1037 RIVER ST ELKO NV 898013930, ELKO, NV 89801-3930

Mortgage

Document Number	0000727640
Date	Jun 30, 2017
Instrument	727640

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	4.47%

Tax Assessment & Valuation

The 2026 property tax bill for 1037 River St was $1,384, up 3.1% from the year before.

Source: Elko County assessment roll, as of September 29, 2026

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
2026	$1,384.00 (+3.05%)	$47,199 (-0.45%) Land $13,650 Building $33,549	$134,854 (-0.45%) Land $39,000 Building $95,854
2025	$1,343.00	$47,413 Land $13,650 Building $33,763	$135,466 Land $39,000 Building $96,466
2023	$1,189.00 (+16.34%)	$37,203 (+28.52%) Land $6,020 Building $31,183	$106,294 (+28.52%) Land $17,200 Building $89,094
2022	$1,022.00	$28,948 Land $6,020 Building $22,928	$82,709 Land $17,200 Building $65,509

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1037 River St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1995.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	9 (1995–2017)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 6 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

Wildfire risk around 1037 River St is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 68% of Nevada
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within 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 376 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
CC Communications Broadband Fiber	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: Rise Broadband.

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