581 Ridge St, Reno, NV 89501 Property Records

Washoe County property record for 581 Ridge St, Reno, NV 89501

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,310 sqft · built 1930
Lot Size	0.23 acres (10,011 sqft)
Owner	2 Individual Names on File
Last Sale	$1,970,000 (Oct 2026)
Tax Bill	$3,599 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`011-141-11`

Property Details

APN / Parcel Number

Primary APN	`011-141-11`
Alternative APN	`20163`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	3,310 sqft Living Area
Gross Area	3,702 sqft
1st Floor Area	1,846 sqft
2nd Floor Area	1,336 sqft
Basement Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1967
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	10,011 sqft (0.23 acres)
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Hot Water
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	581 RIDGE ST
City	RENO
State	NV
Zip	89501-1721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF8
Legal Description	NEWLANDS HEIGHTS LT 6 BLK 1
Legal Subdivision	NEWLANDS HEIGHTS
Legal Block	1
Legal Lot Number	6
Jurisdiction	WASHOE NV
Township / Civil Division	RENO SOUTHWEST
Census Block Group	1
Census Block	1000
Census Tract	402

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Newlands Historic District listed 2016 · 479 contributing resources · NRIS 16000912

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

581 Ridge St is owned and occupied by two individuals who bought it in October 2026.

Source: Washoe County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	581 RIDGE ST, RENO, NV 89501-1721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Oct 6, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage HERITAGE BANK
Jun 12, 2026	Bargain and Sale Deed, Transfer · VA Mortgage INFINITY EQUITY GROUP INC
Nov 14, 2025	Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST
Jun 15, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Jul 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 12, 2017	Bargain and Sale Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2026 · Amount on File
Deed Sale	Oct 6, 2026 · Amount on File
Prior Sale	Jun 12, 2026 · Amount on File
Deed Document Number	20265656021
Prior Transfer Date	Jun 18, 2019
Prior Transfer Doc	0004926589
Record Updated	Oct 29, 2026

October 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WASHOE NV
Recording Date	Oct 6, 2026
Property Address	581 RIDGE ST, RENO, NV 89501-1721
Document Number	0005656021
Instrument Date	Oct 3, 2026
Instrument	20265656021
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$815,777.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 RIDGE ST, RENO, NV 89501-1721

Mortgage

Document Number	0005656022,
Date	Oct 6, 2026
Instrument	20265656022

Lender

Name	HERITAGE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WASHOE NV
Recording Date	Jun 12, 2026
Property Address	581 RIDGE ST, RENO, NV 89501-1721
Document Number	0005629453
Instrument Date	Jun 8, 2026
Instrument	20265629453
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$764,014.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	581 RIDGE ST, RENO, NV 89501-1721

Mortgage

Document Number	0005629454,
Date	Jun 12, 2026
Instrument	20265629454

Lender

Name	INFINITY EQUITY GROUP INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHOE NV
Property Address	581 RIDGE ST, RENO, NV 89501-1721
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 RIDGE ST, RENO, NV 89501-1721

Mortgage

Document Number	0005581763
Date	Nov 14, 2025
Instrument	5581763

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Dec 15, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WASHOE NV
Recording Date	Jun 15, 2021
Property Address	581 RIDGE ST, RENO, NV 89501-1721
Document Number	0005192729
Instrument Date	May 19, 2021
Instrument	5192729
Transaction Type	Transfer
Record Updated	Jul 1, 2021
Title Company	FIRST CENTENNIAL RENO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,970.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	251 ADMIRAL COCHRANE DRIVE #30113011, 251, LAWTON, AL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	581 RIDGE ST, RENO, NV 89501-1721

Mortgage

Document Number	0005192731
Date	Jun 15, 2021
Instrument	5192731

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Jul 1, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.35%
Index	Other
Margin	3
Max Rate	7.35%

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHOE NV
Recording Date	Jul 3, 2019
Property Address	581 RIDGE ST, RENO, NV 89501-1721
Document Number	0004926589
Instrument Date	Jun 18, 2019
Instrument	4926589
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	581 RIDGE ST RENO NV 895011721, RENO, NV 89501-1721

December 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WASHOE NV
Recording Date	Dec 12, 2017
Property Address	581 RIDGE ST, RENO, NV 89501-1721
Document Number	0004771185
Instrument Date	Dec 8, 2017
Instrument	4771185
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	FIRST CENTENNIAL RENO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,907.30
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	Joint Tenants with Right of Survivorship
Address	581 RIDGE ST, RENO, NV 89501-1721

Mortgage

Document Number	0004771186
Date	Dec 12, 2017
Instrument	4771186

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 581 Ridge St was $3,599, up 37.8% from the year before.

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	$3,599.00 (+37.84%)	$138,592 (+1.11%) Land $70,560 Building $68,032
2025	$2,611.00	$137,075 Land $70,000 Building $67,075	$391,644 Land $200,000 Building $191,644
2023	$3,291.00	$125,186 Land $60,690 Building $64,496	$357,674 Land $173,400 Building $184,274
2021			$264,023 Land $125,000 Building $139,023

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 581 Ridge St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	16 units insured incl. 12 condo units

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

The area around 581 Ridge St has no burnable land within ember reach, so its wildfire risk is not rated.

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 505 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
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

May also be available: Tech Stack 4, Verizon.

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