1306 Oak St, Elko, NV 89801 Property Records

Elko County property record for 1306 Oak St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,072 sqft · built 1928
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Sep 2018)
Tax Bill	$1,296 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`001-203-001`

Property Details

APN / Parcel Number

Primary APN	`001-203-001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	3,072 sqft Living Area
Gross Area	3,897 sqft
1st Floor Area	1,536 sqft
Basement Area	825 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,489 sqft (0.126 acres)
Garage Type	Detached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1306 OAK ST
City	ELKO
State	NV
Zip	89801-3434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	SMITHS ADDITION FILE 43255
Legal Subdivision	SMITHS ADDITION
Legal Block	4
Legal Lot Number	15,16
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2006
Census Tract	950800

Owner

Source: Elko County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1306 OAK ST, ELKO, NV 89801-3434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2023	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Dec 16, 2019	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Sep 14, 2018	Bargain and Sale Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Jun 20, 2018	Quit Claim Deed, Transfer Quitclaim
Nov 15, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2018 · Amount on Record
Deed Sale	Sep 14, 2018 · Amount on Record
Deed Document Number	2018746017
Prior Transfer Date	Nov 15, 2017
Prior Transfer Doc	0000733041
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1306 OAK ST, ELKO, NV 89801-3434
Transaction Type	Mortgage
Record Updated	Feb 7, 2024
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LOAN MODIFICATIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 OAK ST, ELKO, NV 89801-3434

Mortgage

Document Number	0000831569
Date	Dec 29, 2023
Instrument	831569

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Jan 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1306 OAK ST, ELKO, NV 89801-3434
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000763383
Date	Dec 16, 2019
Instrument	763383

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

September 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Sep 14, 2018
Property Address	1306 OAK ST, ELKO, NV 89801-3434
Document Number	0000746017
Instrument Date	Jun 20, 2018
Instrument	746017
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	RELIANT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	168 W CEDAR ST, 168, ELKO, NV 89801-3022

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	1306 OAK ST, ELKO, NV 89801-3434

Mortgage

Document Number	0000746018
Date	Sep 14, 2018
Instrument	746018

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	Jun 20, 2018
Property Address	1306 OAK ST, ELKO, NV 89801-3434
Document Number	0000742519
Instrument Date	Jun 20, 2018
Instrument	742519
Transaction Type	Transfer
Record Updated	Jul 5, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	257 CEDAR ST ELKO NV 898013121, ELKO, NV 89801-3121

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	Nov 15, 2017
Property Address	1306 OAK ST, ELKO, NV 89801-3434
Document Number	0000733041
Instrument Date	Nov 15, 2017
Instrument	733041
Transaction Type	Transfer
Record Updated	Nov 28, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	168 W CEDAR ST ELKO NV 898013022, ELKO, NV 89801-3022

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	$1,296.00 (+5.45%)	$40,149 (-0.3%) Land $15,050 Building $25,099	$114,711 (-0.3%) Land $43,000 Building $71,711
2025	$1,229.00 (+18.06%)	$40,269 (+36.36%) Land $15,050 Building $25,219	$115,054 (+36.36%) Land $43,000 Building $72,054
2023	$1,041.00 (+18.56%)	$29,532 (+23.31%) Land $6,615 Building $22,917	$84,377 (+23.31%) Land $18,900 Building $65,477
2022	$878.00	$23,949 Land $6,615 Building $17,334	$68,426 Land $18,900 Building $49,526

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Moderate above 51% of the US · lower than 71% of Nevada
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within 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 376 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
CC Communications Broadband Fiber	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: Rise Broadband.

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