172 River St, Elko, NV 89801 Property Records

Elko County property record for 172 River St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 6,076 sqft · built 1921
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Dec 2023)
Tax Bill	$3,670 (2025)
Deeds & Mortgages	Dec 2023 Sale Mar 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`001-391-006`

Property Details

APN / Parcel Number

Primary APN	`001-391-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Units	2 Units
Stories	1 Story
Building Area	6,076 sqft Living Area
1st Floor Area	676 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Area	6,076 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	172 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	1-4
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2040
Census Tract	951000

Owner

Source: Elko County records, as of March 24, 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	514 MERINO DR, SPRING CREEK, NV 89815-6627
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Bargain and Sale Deed, Transfer
Mar 22, 2017	Bargain and Sale Deed, Transfer · Commercial Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Prior Sale	Mar 22, 2017 · Amount on Record
Deed Document Number	2023830355
Record Updated	Jun 8, 2026

December 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Dec 1, 2023
Property Address	172 RIVER ST, ELKO, NV 89801-3645
Document Number	0000830355
Instrument Date	Nov 2, 2023
Instrument	830355
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Amount	Amount Recorded
Tax	$2,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6425 NE 64TH RD, VANCOUVER, WA 98661-1210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 MERINO DR, SPRING CREEK, NV 89815-6627

March 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Mar 22, 2017
Property Address	172 RIVER ST, ELKO, NV 89801-3645
Document Number	0000723183
Instrument Date	Mar 13, 2017
Instrument	723183
Transaction Type	Transfer
Record Updated	Nov 8, 2022
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 823351, VANCOUVER, WA 98682-0069

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 823351, VANCOUVER, WA 98682-0069

Mortgage

Document Number	0000723184
Date	Mar 22, 2017
Instrument	723184

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$3,670.00 (-2.96%)	$100,262 (+7.02%) Land $12,250 Building $88,012	$286,463 (+7.02%) Land $35,000 Building $251,463
2024	$3,782.00 (+13.64%)
2023	$3,328.00 (+8.02%)	$93,683 (+11.32%) Land $12,250 Building $81,433	$267,666 (+11.32%) Land $35,000 Building $232,666
2022	$3,081.00	$84,153 Land $12,250 Building $71,903	$240,437 Land $35,000 Building $205,437

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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