1257 River St, Elko, NV 89801 Property Records

Elko County property record for 1257 River St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,174 sqft · built 1937
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$115,500 (May 2019)
Tax Bill	$929 (2026)
Deeds & Mortgages	Sep 2022 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`001-374-005`

Property Details

APN / Parcel Number

Primary APN	`001-374-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,174 sqft Living Area
1st Floor Area	1,174 sqft
Interior Walls	Concrete

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,009 sqft (0.115 acres)

Exterior Amenities

Deck Area	140 sqft
Patio Area	140 sqft
Shed	1 Shed
Shed Area	110 sqft
Canopy	64 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	1257 RIVER ST
City	ELKO
State	NV
Zip	89801-4029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZGI
Legal Description	BALLOUS ADDITION FILE 2 (SOMETIMES REFERRED TO AS BLK XVI MOBERLY PLAT)
Legal Subdivision	BALLOU ADDITION
Legal Block	15
Legal Lot Number	19,20
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2010
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	Individual Name on Record
Mailing Address	1257 RIVER ST, ELKO, NV 89801-4029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
May 24, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2019 · Amount on Record
Deed Sale	May 24, 2019 · Amount on Record
Prior Sale	Oct 1, 2010 · Amount on Record
Deed Document Number	2019754869
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1257 RIVER ST, ELKO, NV 89801-4029
Transaction Type	Mortgage
Record Updated	Dec 15, 2022
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000810459
Date	Sep 6, 2022
Instrument	810459

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

May 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	May 24, 2019
Property Address	1257 RIVER ST, ELKO, NV 89801-4029
Document Number	0000754869
Instrument Date	Apr 18, 2019
Instrument	754869
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$450.45
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 SKYLINE DR, 201, ELKO, NV 89801-2553

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1257 RIVER ST, ELKO, NV 89801-4029

Mortgage

Document Number	0000754870
Date	May 24, 2019
Instrument	754870

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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	$929.00 (+5.45%)	$30,156 (-0.22%) Land $12,950 Building $17,206	$86,160 (-0.22%) Land $37,000 Building $49,160
2025	$881.00 (+18.57%)	$30,223 (+42.14%) Land $12,950 Building $17,273	$86,351 (+42.14%) Land $37,000 Building $49,351
2023	$743.00 (+16.28%)	$21,263 (+22.03%) Land $5,530 Building $15,733	$60,751 (+22.03%) Land $15,800 Building $44,951
2022	$639.00	$17,424 Land $5,530 Building $11,894	$49,783 Land $15,800 Building $33,983

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 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.

Nearby Properties on River St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures