490 15th St, Lovelock, NV 89419 Property Records

Pershing County property record for 490 15th St, Lovelock, NV 89419

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,823 sqft · built 1971
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$204,900 (Dec 2012)
Tax Bill	$2,451 (2025)
Deeds & Mortgages	Aug 2023 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-183-09`

Property Details

APN / Parcel Number

Primary APN	`001-183-09`
Alternative APN	`001-183-06`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,823 sqft Living Area
1st Floor Area	2,823 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Carport
Garage Area	504 sqft
Carport	Carport
Carport Area	504 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Deck Area	532 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	490 15TH ST
City	LOVELOCK
State	NV
Zip	89419-8028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	MILICH ADDITION #1 CREATED BY CONSOLIDATION OF 1-183-06 & 07
Legal Subdivision	MILICH ADDITION
Legal Block	B
Legal Lot Number	1
Jurisdiction	PERSHING NV
Township / Civil Division	LOVELOCK
Census Block Group	3
Census Block	3021
Census Tract	960100

Owner

490 15th St is owned by two individuals who bought it in December 2012.

Source: Pershing County records, as of September 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1004, LOVELOCK, NV 89419-1004
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2012 · Amount on File
Deed Sale	Dec 11, 2012 · Amount on File
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PERSHING NV
Property Address	490 15TH ST, LOVELOCK, NV 89419-8028
Transaction Type	Mortgage
Record Updated	Sep 12, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 15TH ST, LOVELOCK, NV 89419-8028

Mortgage

Document Number	0000523045
Date	Aug 21, 2023
Instrument	523045

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.5%

Tax Assessment & Valuation

The 2025 property tax bill for 490 15th St was $2,451.

Source: Pershing County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Nevada
County	Pershing County
Municipality	Lovelock City
Unified School District	Pershing County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$66,243 (-0.57%) Land $11,550 Building $54,693	$189,266 (-0.57%) Land $33,000 Building $156,266
2025	$2,451.00	$66,620 Land $11,550 Building $55,070	$190,343 Land $33,000 Building $157,343
2023	$2,221.00 (+2.73%)	$61,468 (+13.24%) Land $9,188 Building $52,280	$175,622 (+13.24%) Land $26,250 Building $149,372
2022	$2,162.00	$54,280 Land $9,188 Building $45,092	$155,085 Land $26,250 Building $128,835

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 490 15th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 23, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 490 15th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 99.7% of Nevada
Wildfire Likelihood	Under 0.01% 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	LOVELOCK MEADOWS WATER DISTRICT serves 3,562 people · EPA ID NV0000161
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lovelock Highspeed Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	120 / 20
T-Mobile Fixed Wireless	100 / 20