1130 River St, Elko, NV 89801 Property Records

Elko County property record for 1130 River St, Elko, NV 89801

Property Summary

Property Type	Commercial
Details	4,080 sqft · built 2018
Lot Size	1.41 acres (61,855 sqft)
Owner	Company Name on Record
Last Sale	$248,500 (Oct 2016)
Tax Bill	$17,153 (2026)
Deeds & Mortgages	Jul 2017 Construction Loan Feb 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`001-630-017`

Property Details

APN / Parcel Number

Primary APN	`001-630-017`
Alternative APN	`001-630-001`

Interior

Units	2 Units
Stories	1 Story
Building Area	4,080 sqft Gross Area
1st Floor Area	4,080 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	61,855 sqft
Shed	1 Shed
Shed Area	80 sqft
Canopy	1,178 sqft

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	1130 RIVER ST
City	ELKO
State	NV
Zip	89801-3933
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	ZIC
Legal Description	A PARCEL LOCATED IN THE SW4NW4 OF MDB&M DESCRIBED AS FOLLOWS: COMM AT A CONCRETE ST MONUMENT AT THE C/L INTERSECTION OF RIVER ST & 11TH ST;T TH: N 41 49 E 40.00; TH:S 48 11 E 40.00; TH: N 41 49 E 125.00 TO COR 1, POB; TH: N 41 5800 E 115.27 TO COR 2;
Legal Range	55E
Legal Township	34N
Legal Section	14
Legal Block	2
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2014
Census Tract	951300

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	330 11TH ST, ELKO, NV 89801-3915
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2017	Deed of Trust, Mortgage · Construction Mortgage CELTIC BANK CORPORATION
Feb 11, 2020	Deed of Trust, Mortgage · Commercial Mortgage CAPITAL COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2016 · Amount on Record
Deed Sale	Oct 14, 2016 · Amount on Record
Deed Document Number	2016716812
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1130 RIVER ST, ELKO, NV 89801-3933
Transaction Type	Mortgage
Record Updated	Nov 8, 2022
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000728024
Date	Jul 12, 2017
Instrument	728024

Lender

Name	CELTIC BANK CORPORATION
Type	Lending Institution
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Jul 10, 2043

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1130 RIVER ST, ELKO, NV 89801-3933
Transaction Type	Mortgage
Record Updated	Nov 8, 2022
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000765205
Date	Feb 11, 2020
Instrument	765205

Lender

Name	CAPITAL COMMUNITY BANK
Type	Bank
Address	PROVO, UT 84604

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$17,153.00 (+5.4%)	$472,117 (+6.18%) Land $64,948 Building $407,169	$1,348,906 (+6.18%) Land $185,566 Building $1,163,340
2025	$16,274.00 (+10.74%)	$444,618 (+8.9%) Land $29,547 Building $415,071	$1,270,337 (+8.9%) Land $84,420 Building $1,185,917
2023	$14,696.00 (+11.83%)	$408,270 (+13.72%) Land $29,547 Building $378,723	$1,166,486 (+13.72%) Land $84,420 Building $1,082,066
2022	$13,141.00	$359,008 Land $29,547 Building $329,461	$1,025,737 Land $84,420 Building $941,317

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

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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