45 Keystone Ave, Reno, NV 89503 Property Records

Washoe County property record for 45 Keystone Ave, Reno, NV 89503

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,664 sqft · built 1928
Lot Size	0.143 acres (6,229 sqft)
Owner	Company Name on Record
Last Sale	$875,000 (Nov 2021)
Tax Bill	$1,620 (2023)
Deeds & Mortgages	Mar 2023 Transfer Nov 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`011-082-01`

Property Details

APN / Parcel Number

Primary APN	`011-082-01`
Alternative APN	`19923`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Units	2 Units
Stories	1 Story
Building Area	1,664 sqft Living Area
Gross Area	2,804 sqft
1st Floor Area	1,664 sqft
Basement Area	546 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1955
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.143 acres)
Garage Type	Attached
Garage Area	198 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	744 sqft
Deck Area	Deck Area
Patio Area	308 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	45 KEYSTONE AVE
City	RENO
State	NV
Zip	89503-5513
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MF30
Legal Description	GILBERTS LOT 1 BLOCK Z
Legal Range	19E
Legal Township	19N
Legal Section	11
Legal Subdivision	GILBERT`S REARRANGEMENT
Legal Block	Z
Legal Lot Number	1
Jurisdiction	WASHOE NV
Township / Civil Division	RENO NORTH
Census Block Group	3
Census Block	3001
Census Tract	1204

Owner

Source: Washoe County records, as of December 10, 2025

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	2214 PORTNEUF DR, SPARKS, NV 89436-9390
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 1, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 23, 2020	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage ON Q FINANCIAL INC
Jul 12, 2018	Bargain and Sale Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2021 · Amount on Record
Deed Sale	Nov 1, 2021 · Amount on Record
Prior Sale	Jul 12, 2018 · Amount on Record
Deed Document Number	20215243582
Prior Transfer Date	May 18, 1994
Prior Transfer Doc	0001799120
Record Updated	Oct 29, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHOE NV
Recording Date	Mar 28, 2023
Property Address	45 KEYSTONE AVE, RENO, NV 89503-5513
Document Number	0005370415
Map Reference	FILE 1282
Instrument Date	Feb 10, 2023
Instrument	5370415
Transaction Type	Transfer
Record Updated	Apr 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2214 PORTNEUF DRIVE, RENO, NV 89536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2214 PORTNEUF DR, SPARKS, NV 89436-9390

November 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WASHOE NV
Recording Date	Nov 1, 2021
Property Address	45 KEYSTONE AVE, RENO, NV 89503-5513
Document Number	0005243582
Map Reference	FILE 1282
Instrument Date	Sep 27, 2021
Instrument	5243582
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	TICOR TITLE- RENO, TICOR TITLE RENO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,587.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 JANICE WAY, MERLIN, OR 97532-9805

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2214 PORTNEUF DR, SPARKS, NV 89436-9390

Mortgage

Document Number	0005243583
Date	Nov 1, 2021
Instrument	5243583

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

January 2020: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WASHOE NV
Recording Date	Jan 23, 2020
Property Address	45 KEYSTONE AVE, RENO, NV 89503-5513
Document Number	0004994163
Map Reference	FILE 1282
Instrument Date	Jan 17, 2020
Instrument	4994163
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TICOR TITLE RENO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5165 SUMMIT RIDGE CT, 5165, RENO, NV 89523-9092

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 KEYSTONE AVE, RENO, NV 89503-5513

Mortgage

Document Number	0004994164
Date	Jan 23, 2020
Instrument	4994164

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution
Address	TEMPE, AZ 85281

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

July 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WASHOE NV
Recording Date	Jul 12, 2018
Property Address	45 KEYSTONE AVE, RENO, NV 89503-5513
Document Number	0004831846
Instrument Date	Jun 13, 2018
Instrument	4831846
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	FIRST CENTENNIAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,791.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1350 JONES ST, RENO, NV 89503-5428

Mortgage

Document Number	0004831847
Date	Jul 12, 2018
Instrument	4831847

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$79,264 (-1.83%) Land $38,675 Building $40,590
2025		$80,745 (+5.56%) Land $40,698 Building $40,047	$230,700 (+5.56%) Land $116,280 Building $114,420
2023	$1,620.00	$76,489 Land $40,698 Building $35,791	$218,539 (+56.2%) Land $116,280 Building $102,259
2021			$139,909 Land $76,000 Building $63,909

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 17, 2026 · 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 23 policies
Nearby Flood Policies	23 in force

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	Not rated no burnable land 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	TRUCKEE MEADOWS WATER AUTHORITY serves 442,000 people · EPA ID NV0000190
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Net NV Fixed Wireless	1,000 / 1,000
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	500 / 500
Hot Spot Broadband Fixed Wireless	100 / 50
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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