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437 Pine St, Elko, NV, 89801

3beds
3baths
2,038sqft
$499,000
$245price/sqft
$3,865/moest. monthly cost
$154,600/yrincome needed

About This Home

Own a bit of Elko's history. Believed to have been built in late 1800s, this elegant residence is thought to be one of the oldest homes in Elko, predating many of the official records. Beautifully preserved&thoughtfully updated, offering historic character&modern convenience. Craftsmanship is showcased w/ stunning historic baseboards, window &door trim, wood doors, & classic architectural details that are increasingly rare to find. At the same time, major improvements including the roof, furnace/Central Air conditioning, and other essential systems provide the comfort and reliability of today's living. The spacious kitchen is beautifully appointed w/ lots of countertop space flows seamlessly into the home's inviting living spaces. Each of the 3 bedrooms features its own private en-suite bathroom and walk in closets. The primary suite is a peaceful retreat, complete with a charming bay window that frames breathtaking views of the cottage style yard. If this isn't charming enough, just wait until you see the matching playhouse! The 800 sq ft building that was a garage is now used as a storage area w/ one rm offering heat/cooling. Office, gym, many possibilities. RES/BUISNESS ZONING

Getting Around

86
WalkingVery Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

3/10
4/10
Adobe Middle SchoolGrades 7-82.1 mi
4/10
Elko High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Disposal,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Bay Window,Walk-In Closet(s),Window Treatments
  • Window features: Bay Window(s),Window Coverings
  • Flooring: Carpet

Heating & Cooling

  • Heating features: Electric,Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,038 sqft

Property

Details

  • Parcel number: 001222005
  • Zoning description: ZRB

Features

  • Exterior features: Mature Trees/Landscape,Storage,Workshop
  • Has view: Yes
  • View description: City
  • Topography of land: Level
  • Residential vegetation: Natural State

Lot

  • Lot size: 10,454 sqft
  • Features: Lawn,Level

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Wildfire
Winter Weather

FEMA Declared Disasters Across Nevada Counties

Fire
Flood
Mud Landslide
Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,523$30,276
Home Insurance $147$1,764
Property Taxes $1,003$12,036
Electricity $192$2,306
Total$3,865$46,380

Income You'd Need if You Spent...

35% on housing$132,514/yr
40% on housing$115,950/yr
45% on housing$103,066/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: -1.2%
-1.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$245This listing

vs Other Active Listings

Avg $/sqft

ZIP 89801$185
Elko County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 89801$217
Elko County$214

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-02Listed for sale$499,000
2026-07-16Pending sale$499,000
2026-07-01Listed for sale$499,000

For Sale by Agent

AgentAmanda Salazar
BrokerageKeller Williams VIP

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