108 Elm St, Elko, NV 89801 Property Records

Elko County property record for 108 Elm St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,496 sqft · built 1972
Lot Size	0.382 acres (16,640 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Oct 2023)
Tax Bill	$1,936 (2026)
Deeds & Mortgages	Oct 2023 Sale Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-042-028`

Property Details

APN / Parcel Number

Primary APN	`001-042-028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,496 sqft Living Area
Gross Area	1,984 sqft
1st Floor Area	1,496 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	16,640 sqft (0.382 acres)
Garage Type	Attached
Garage Area	488 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	108 ELM ST
City	ELKO
State	NV
Zip	89801-2812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	SUNSET HEIGHTS SUBDIVISION FILE 075368 BLOCK 108R
Legal Subdivision	SUNSET HEIGHTS SUBDIVISION
Legal Block	108R
Legal Lot Number	11
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1037
Census Tract	950900

Owner

Source: Elko County records, as of September 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	4753 SHIELD ST, ELKO, NV 89801-5198
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Bargain and Sale Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Oct 18, 2023	Bargain and Sale Deed, Transfer · Stand-Alone First Mortgage ELKO FCU
Oct 4, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2023 · Amount on Record
Deed Sale	Oct 18, 2023 · Amount on Record
Prior Sale	Jun 11, 2007 · Amount on Record
Deed Document Number	2023827727
Prior Transfer Date	Oct 26, 2017
Prior Transfer Doc	0000732628
Record Updated	Oct 29, 2026

October 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Oct 18, 2023
Property Address	108 ELM ST, ELKO, NV 89801-2812
Document Number	0000827728
Map Reference	FILE 75368
Instrument Date	Oct 13, 2023
Instrument	827728
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4753 SHIELD ST # ST295-1, ST295-1, ELKO, NV 89801-5198

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4753 SHIELD ST # 295-1, 295-1, ELKO, NV 89801-5198

October 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Oct 18, 2023
Property Address	108 ELM ST, ELKO, NV 89801-2812
Document Number	0000827727
Map Reference	FILE 75368
Instrument Date	Oct 3, 2023
Instrument	827727
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 461, BYLAS, AZ 85530-0461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4753 SHIELD ST # 295-1, 295-1, ELKO, NV 89801-5198

Mortgage

Document Number	0000827729
Date	Oct 18, 2023
Instrument	827729

Lender

Name	ELKO FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 16, 2038

October 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ELKO NV
Recording Date	Oct 4, 2017
Property Address	108 ELM ST, ELKO, NV 89801-2812
Document Number	0000731247
Instrument Date	Sep 26, 2017
Instrument	731247
Transaction Type	Transfer
Record Updated	Oct 16, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 ELM ST ELKO NV 898012812, ELKO, NV 89801-2812

Tax Assessment & Valuation

Source: Elko County assessment roll, as of September 29, 2026

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
2026	$1,936.00 (+4.88%)	$60,180 (-0.58%) Land $23,450 Building $36,730	$171,943 (-0.58%) Land $67,000 Building $104,943
2025	$1,846.00 (+12.49%)	$60,531 (+26.73%) Land $23,450 Building $37,081	$172,946 (+26.73%) Land $67,000 Building $105,946
2023	$1,641.00 (+3.01%)	$47,764 (+9.83%) Land $14,000 Building $33,764	$136,469 (+9.83%) Land $40,000 Building $96,469
2022	$1,593.00	$43,491 Land $14,000 Building $29,491	$124,260 Land $40,000 Building $84,260

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 23, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Low lower than 94% of the US · lower than 99.5% of Nevada
Wildfire Likelihood	Under 0.01% 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 714 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	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

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

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