Washoe County property record for 638 Riverbed Cir, Reno, NV 89521
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,660 sqft · built 2020 |
| Lot Size | 0.164 acres (7,138 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $645,000 (Mar 2023) |
| Tax Bill | $3,955 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Mar 2023 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 143-331-02 |
| Primary APN | 143-331-02 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,660 sqft Living Area |
| Gross Area | 2,188 sqft |
| 1st Floor Area | 1,660 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,138 sqft (0.164 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 446 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 638 RIVERBED CIR |
|---|---|
| City | RENO |
| State | NV |
| Zip | 89521-8141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | DAMONTE RANCH VILLAGE 21A LOT 1 |
| Legal Range | 20E |
| Legal Township | 18N |
| Legal Section | 21 |
| Legal Subdivision | DAMONTE RANCH VILLAGE 21A |
| Legal Lot Number | 1 |
| Jurisdiction | WASHOE NV |
| Township / Civil Division | RENO SOUTHEAST |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 2207 |
Source: Washoe County records, as of April 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 | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Surviving Spouse |
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FEDERAL CREDIT UNION |
| Mar 29, 2023 | Intrafamily Transfer, Transfer STEWART TITLE, STEWART TITLE COMPANY NV |
| Mar 29, 2023 | Bargain and Sale Deed, Transfer · Conventional Mortgage BAY EQUITY LLC |
| Dec 12, 2022 | Intrafamily Transfer, Transfer |
| Mar 13, 2020 | Grant Deed, Transfer · Conventional Mortgage LORETO T D & S D F/TR (PT) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 29, 2023 · Amount on Record |
| Deed Sale | Mar 29, 2023 · Amount on Record |
| Prior Sale | Mar 13, 2020 · Amount on Record |
| Deed Document Number | 20235370644 |
| Prior Transfer Date | Nov 30, 2022 |
| Prior Transfer Doc | 0005351445 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHOE NV |
| Recording Date | Apr 8, 2026 |
| Property Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Document Number | 0005613883 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 20265613883 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Document Number | 0005613883, |
|---|---|
| Date | Apr 8, 2026 |
| Instrument | 20265613883 |
| Name | MOUNTAIN AMERICA FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WASHOE NV |
| Recording Date | Mar 29, 2023 |
| Property Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Document Number | 0005370645 |
| Map Reference | DOC 4894060 |
| Instrument Date | Mar 27, 2023 |
| Instrument | 5370645 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2024 |
| Title Company | STEWART TITLE, STEWART TITLE COMPANY NV |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Name | Verified Name |
|---|---|
| Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WASHOE NV |
| Recording Date | Mar 29, 2023 |
| Property Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Document Number | 0005370644 |
| Map Reference | DOC 489 |
| Instrument Date | Mar 27, 2023 |
| Instrument | 5370644 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2023 |
| Title Company | STEWART TITLE, STEWART TITLE COMPANY NV |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,644.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Name | Verified Name |
|---|---|
| Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Document Number | 0005370646 |
|---|---|
| Date | Mar 29, 2023 |
| Instrument | 5370646 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WASHOE NV |
| Recording Date | Dec 12, 2022 |
| Property Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Document Number | 0005351445 |
| Map Reference | DOC 4894060 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 5351445 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Name | Verified Name |
|---|---|
| Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHOE NV |
| Recording Date | Mar 13, 2020 |
| Property Address | 638 RIVERBED CIR, RENO, NV 89521-8141 |
| Document Number | 0005010511 |
| Instrument Date | Mar 12, 2020 |
| Instrument | 5010511 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2020 |
| Title Company | WESTERN TITLE COMPANY LLC, WESTERN TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 638 RIVERBED CIR RENO NV 89521, RENO, NV 89521 |
| Document Number | 5010512 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 5010512 |
| Name | LORETO T D & S D F/TR (PT) |
|---|---|
| Address | 7150 FRANKTOWN RD, WASHOE VALLEY, NV 89704-8531 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Washoe County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Nevada |
| County | Washoe County |
| Municipality | Reno City |
| Unified School District | Washoe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $144,277 (-0.92%) Land $44,800 Building $99,477 | ||
| 2025 | $3,955.00 (-12.79%) | $145,620 (+6.05%) Land $45,150 Building $100,470 | $416,058 (+6.05%) Land $129,000 Building $287,058 |
| 2023 | $4,535.00 | $137,315 Land $42,700 Building $94,615 | $392,328 (+25.95%) Land $122,000 Building $270,328 |
| 2021 | $311,497 Land $90,000 Building $221,497 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2015 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 73% of Nevada |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 566 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Net NV Fixed Wireless | 100 / 100 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
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