103 S 3rd St, Elko, NV 89801 Property Records

Elko County property record for 103 S 3rd St, Elko, NV 89801

Property Summary

Property Type	Commercial
Details	9 bd · 4 ba · 4,496 sqft · built 1949
Lot Size	0.201 acres (8,756 sqft)
Owner	Company Name on Record
Last Sale	$288,600 (Sep 2020)
Tax Bill	$3,315 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Aug 2022 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`001-347-001`

Property Details

APN / Parcel Number

Primary APN	`001-347-001`

Interior

Bedrooms	9 Beds
Full Baths	4 Baths
Units	2 Units
Stories	2 Stories
Building Area	4,496 sqft Gross Area

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,756 sqft (0.201 acres)
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 S 3RD ST
City	ELKO
State	NV
Zip	89801-3622
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	ZRC
Legal Description	MONAS
Legal Subdivision	TOWN/ELKO
Legal Block	47
Legal Lot Number	10
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2006
Census Tract	951000

Owner

Source: Elko County records, as of July 30, 2025

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

Owner of Record	Company Name on Record
Mailing Address	232 S 3RD ST, ELKO, NV 89801-3625
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2022	Deed of Trust, Mortgage · Commercial Mortgage NEVADA BANK & TRUST CO
Aug 22, 2022	Correction Deed
Sep 9, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2020 · Amount on Record
Deed Sale	Sep 9, 2020 · Amount on Record
Prior Sale	Dec 19, 2014 · Amount on Record
Deed Document Number	2020773669
Last Transfer Date	Aug 17, 2022
Transfer Doc	0000809575
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	103 S 3RD ST, ELKO, NV 89801-3622
Transaction Type	Mortgage
Record Updated	Sep 29, 2023
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000814253
Date	Dec 9, 2022
Instrument	814253

Lender

Name	NEVADA BANK & TRUST CO
Type	Bank
Address	ELKO, NV 89801

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	ELKO NV
Recording Date	Aug 22, 2022
Property Address	103 S 3RD ST, ELKO, NV 89801-3622
Document Number	0000809575
Map Reference	FILE 1
Instrument Date	Aug 17, 2022
Instrument	809575
Record Updated	Dec 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 S 3RD ST, ELKO, NV 89801-3622

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 S 3RD ST, ELKO, NV 89801-3622

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELKO NV
Recording Date	Sep 9, 2020
Property Address	103 S 3RD ST, ELKO, NV 89801-3622
Document Number	0000773669
Instrument Date	Aug 6, 2020
Instrument	773669
Transaction Type	Transfer
Record Updated	Sep 25, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$287.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	103 S 3RD ST ELKO NV 898013622, ELKO, NV 89801-3622

Tax Assessment & Valuation

Source: Elko County assessment roll, as of July 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,315.00 (-2.3%)	$90,548 (+9.37%) Land $24,500 Building $66,048	$258,709 (+9.37%) Land $70,000 Building $188,709
2024	$3,393.00 (+16.4%)
2023	$2,915.00 (+8%)	$82,791 (+12.33%) Land $24,500 Building $58,291	$236,546 (+12.33%) Land $70,000 Building $166,546
2022	$2,699.00	$73,701 Land $24,500 Building $49,201	$210,574 Land $70,000 Building $140,574

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

Source: FEMA National Flood Hazard Layer, effective May 23, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	5 (2005–2017)
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 4 claims

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

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

Wildfire Risk	Moderate above 67% of the US · above 40% of Nevada
Wildfire Likelihood	0.2% 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	CITY OF ELKO serves 23,000 people · EPA ID NV0000272
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	3 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	1 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 341 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Anthem Broadband of Nevada Fiber	2,000 / 2,000
Zito Media Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
White Cloud Communications Fixed Wireless · Fiber in parts of the area	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: CC Communications Broadband, Rise Broadband.

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