651 River St, Elko, NV 89801 Property Records

Elko County property record for 651 River St, Elko, NV 89801 · Last verified November 2025

Property Summary

Property Type	Commercial
Details	7,128 sqft · built 1979
Lot Size	0.23 acres (10,019 sqft)
Owner	Owner Name on File
Last Sale	$265,000 (Nov 2010)
Tax Bill	$2,151 (2025)
Deeds & Mortgages	Apr 2025 Mortgage
Flood Zone	Zone AE (high risk)
APN	`001-354-004`

Property Details

APN / Parcel Number

Primary APN	`001-354-004`

Interior

Stories	1 Story
Building Area	7,128 sqft Living Area

Exterior

Year Built	Built 1979
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	651 RIVER ST
City	ELKO
State	NV
Zip	89801-3847
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	ELKO CITY FILE 1
Legal Block	R
Legal Lot Number	16-19 17
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2062
Census Tract	951300

Owner

Source: Elko County records · APN 001-354-004

Assessment roll updated January 1, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	PO BOX 70, ELKO, NV 89803-0070

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 17, 2010 · Amount on Record
Deed Sale	Nov 17, 2010 · Amount on Record
Deed Document Number	633364
Record Updated	Jun 08, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	651 RIVER ST, ELKO, NV 89801-3847
Transaction Type	Mortgage
Record Updated	Nov 07, 2025
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000848099
Date	Apr 03, 2025
Instrument	848099

Lender

Name	ELKO FCU
Type	Credit Union
Address	ELKO, NV 89801

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Elko County records · Assessment roll updated January 1, 2025 · Last verified November 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,151.00 (+2.72%)	$58,756 (+2.16%) Land $12,250 Building $46,506	$167,874 (+2.16%) Land $35,000 Building $132,874
2023	$2,094.00 (+7.99%)	$57,514 (+8.64%) Land $12,250 Building $45,264	$164,326 (+8.64%) Land $35,000 Building $129,326
2022	$1,939.00	$52,940 Land $12,250 Building $40,690	$151,257 Land $35,000 Building $116,257

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Elko County (32007C), updated May 23, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	High above 73% of the US · above 47% of Nevada
Wildfire Likelihood	About 1 in 424 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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