1092 5th St, Elko, NV 89801 Property Records

Elko County property record for 1092 5th St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,295 sqft · built 1933
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Company Names on Record
Last Sale	$210,000 (Sep 2020)
Tax Bill	$1,629 (2026)
Deeds & Mortgages	Feb 2026 Transfer Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-103-001`

Property Details

APN / Parcel Number

Primary APN	`001-103-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,295 sqft Living Area
Gross Area	1,703 sqft
1st Floor Area	1,295 sqft
Basement Area	408 sqft

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Architectural Style	Duplex Single
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Detached
Garage Area	860 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	1092 5TH ST
City	ELKO
State	NV
Zip	89801-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZRB
Legal Description	FIRST ADDITION FILE 5
Legal Subdivision	FIRST ADDITION
Legal Block	89
Legal Lot Number	10-12
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1047
Census Tract	950800

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	2 Company Names on Record
Mailing Address	1092 5TH ST, ELKO, NV 89801-3204
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Intrafamily Transfer, Transfer
Sep 23, 2020	Bargain and Sale Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2020 · Amount on Record
Deed Sale	Sep 23, 2020 · Amount on Record
Deed Document Number	2020774379
Last Transfer Date	Jan 15, 2026
Transfer Doc	0000860992
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Feb 17, 2026
Property Address	1092 5TH ST, ELKO, NV 89801-3204
Document Number	0000860992
Instrument Date	Jan 15, 2026
Instrument	860992
Transaction Type	Transfer
Record Updated	Mar 4, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1092 5TH ST, ELKO, NV 89801-3204

September 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Sep 23, 2020
Property Address	1092 5TH ST, ELKO, NV 89801-3204
Document Number	0000774379
Instrument Date	Sep 22, 2020
Instrument	774379
Transaction Type	Transfer
Record Updated	Nov 8, 2022
Title Company	STEWART TITLEELKO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$819.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7, KLAMATH FALLS, OR 97601-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 COMMERCIAL ST, ELKO, NV 89801-3886

Mortgage

Document Number	0000774380
Date	Sep 23, 2020
Instrument	774380

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$1,629.00 (+5.44%)	$50,619 (-0.17%) Land $19,950 Building $30,669	$144,626 (-0.17%) Land $57,000 Building $87,626
2025	$1,545.00 (+19.58%)	$50,706 (+35.5%) Land $19,950 Building $30,756	$144,874 (+35.5%) Land $57,000 Building $87,874
2023	$1,292.00 (+8.39%)	$37,421 (+15.07%) Land $9,188 Building $28,233	$106,917 (+15.07%) Land $26,251 Building $80,666
2022	$1,192.00	$32,520 Land $9,188 Building $23,332	$92,914 Land $26,251 Building $66,663

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 80% of the US · lower than 91% of Nevada
Wildfire Likelihood	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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