10475 Osage Rd, Reno, NV 89508 Property Records

Washoe County property record for 10475 Osage Rd, Reno, NV 89508

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,063 sqft · built 1994
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$422,000 (Jul 2019)
Tax Bill	$1,778 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2025 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`086-350-45`

Property Details

APN / Parcel Number

Primary APN	`086-350-45`
Alternative APN	`116796`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,063 sqft Living Area
Gross Area	2,693 sqft
1st Floor Area	2,063 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	43,996 sqft (1.01 acres)
Lot Width	1 ft Width
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Concrete/Metal Slab
Porch Area	1,063 sqft
Shed	1 Shed
Shed Area	240 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10475 OSAGE RD
City	RENO
State	NV
Zip	89508-8171
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDS
Legal Description	PM 2616 LT 4
Legal Subdivision	_UNSPECIFIED
Legal Lot Number	4
Jurisdiction	WASHOE NV
Township / Civil Division	NORTH VALLEYS
Census Block Group	1
Census Block	1032
Census Tract	2603

Owner

10475 Osage Rd is owned and occupied by two individuals who bought it in July 2019.

Source: Washoe County records, as of June 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10475 OSAGE RD, RENO, NV 89508-8171
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 5, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Oct 3, 2025	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Nov 30, 2022	Deed of Trust, Mortgage · VA Mortgage TOP FLITE FINANCIAL INC
Jun 28, 2021	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jun 26, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 19, 2019	Bargain and Sale Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 13, 2017	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on File
Deed Sale	Jul 19, 2019 · Amount on File
Prior Sale	Oct 6, 2011 · Amount on File
Deed Document Number	20194931559
Prior Transfer Date	Feb 6, 1997
Prior Transfer Doc	0002074523
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHOE NV
Recording Date	Jun 5, 2026
Property Address	10475 OSAGE RD, RENO, NV 89508-8171
Document Number	0005627512
Instrument Date	Jun 1, 2026
Instrument	20265627512
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	10475 OSAGE RD, RENO, NV 89508-8171

Mortgage

Document Number	0005627512,
Date	Jun 5, 2026
Instrument	20265627512

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHOE NV
Property Address	10475 OSAGE RD, RENO, NV 89508-8171
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10475 OSAGE RD, RENO, NV 89508-8171

Mortgage

Document Number	0005572511
Date	Oct 3, 2025
Instrument	5572511

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHOE NV
Property Address	10475 OSAGE RD, RENO, NV 89508-8171
Transaction Type	Mortgage
Record Updated	Dec 16, 2022
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005349477
Date	Nov 30, 2022
Instrument	5349477

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHOE NV
Property Address	10475 OSAGE RD, RENO, NV 89508-8171
Transaction Type	Mortgage
Record Updated	Jul 22, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005197760
Date	Jun 28, 2021
Instrument	5197760

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHOE NV
Property Address	10475 OSAGE RD, RENO, NV 89508-8171
Document Number	0005051795
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10475 OSAGE RD RENO NV 895088171, RENO, NV 89508-8171

Mortgage

Document Number	0005051795
Date	Jul 13, 2020
Instrument	5051795

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2050

July 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WASHOE NV
Recording Date	Jul 19, 2019
Property Address	10475 OSAGE RD, RENO, NV 89508-8171
Document Number	0004931559
Map Reference	MAP2616 FILE1582505
Instrument Date	Jul 17, 2019
Instrument	4931559
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	FIRST CENTENNIAL RENO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,730.20
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7070 PEMBROKE DR, 7070, RENO, NV 89502-9751

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10475 OSAGE RD, RENO, NV 89508-8171

Mortgage

Document Number	0004931560
Date	Jul 19, 2019
Instrument	4931560

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHOE NV
Recording Date	Jul 13, 2017
Property Address	10475 OSAGE RD, RENO, NV 89508-8171
Document Number	0004722974
Instrument Date	Jul 13, 2017
Instrument	4722974
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	10475 OSAGE RD RENO NV 895088171, RENO, NV 89508-8171

July 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	WASHOE NV
Recording Date	Jul 13, 2017
Property Address	10475 OSAGE RD, RENO, NV 89508-8171
Document Number	0004722932
Instrument Date	Jul 13, 2017
Instrument	4722932
Transaction Type	Transfer
Record Updated	Jul 24, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10475 OSAGE RD RENO NV 895088171, RENO, NV 89508-8171

Tax Assessment & Valuation

The 2025 property tax bill for 10475 Osage Rd was $1,778.

Source: Washoe County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Nevada
County	Washoe County
Unified School District	Washoe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$101,856 (-0.23%) Land $29,400 Building $72,456
2025	$1,778.00	$102,091 Land $29,400 Building $72,691	$291,688 Land $84,000 Building $207,688
2023	$2,491.00	$99,541 Land $29,400 Building $70,141	$284,403 Land $84,000 Building $200,403
2021			$196,521 Land $28,800 Building $167,721

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

Flood

FEMA maps place 10475 Osage Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective May 17, 2026 · 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 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	6 (1995–2017)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Feb 2017 · river or lake flooding

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 10475 Osage Rd is moderate, ranking above 45% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 75% of Nevada
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	SILVER KNOLLS MUTUAL WATER COMPANY private · serves 120 people · EPA ID NV0004021
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	Arsenic not recorded as resolved · Apr 2026
Treatment and Procedure	Sanitary survey deficiency not corrected currently in violation since Mar 2018
Monitoring and Reporting	None 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Net NV Fixed Wireless	1,000 / 1,000
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: Verizon.

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