1345 Oak St, Elko, NV 89801 Property Records

Elko County property record for 1345 Oak St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,449 sqft · built 1953
Lot Size	0.129 acres (5,619 sqft)
Owner	Individual Name on File
Last Sale	$323,000 (Dec 2025)
Tax Bill	$1,024 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Dec 2025 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`001-202-012`

Property Details

APN / Parcel Number

Primary APN	`001-202-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,449 sqft Living Area
1st Floor Area	1,449 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	5,619 sqft (0.129 acres)
Garage Type	Detached
Garage Area	861 sqft
Parking Spaces	3 Parking Spaces
Patio Area	105 sqft
Canopy	358 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1345 OAK ST
City	ELKO
State	NV
Zip	89801-3433
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	5
Legal Lot Number	23-24
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2002
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	Individual Name on File
Mailing Address	815 KILEY PKWY, 905, SPARKS, NV 89436-4087
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Bargain and Sale Deed, Transfer · VA Mortgage UNITED FCU
Dec 17, 2025	Affidavit of Death of Joint Tenant, Transfer UNKNOWN, WFG NEVADA
Nov 20, 2019	Deed of Trust, Mortgage · VA Mortgage MOVEMENT MORTGAGE
Jun 1, 2018	Bargain and Sale Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2025 · Amount on File
Deed Sale	Dec 17, 2025 · Amount on File
Prior Sale	Jun 1, 2018 · Amount on File
Deed Document Number	2025858726
Record Updated	Oct 29, 2026

December 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Dec 17, 2025
Property Address	1345 OAK ST, ELKO, NV 89801-3433
Document Number	0000858726
Map Reference	FILE 43255
Instrument Date	Dec 10, 2025
Instrument	858726
Transaction Type	Transfer
Record Updated	Dec 30, 2025
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,259.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1345 OAK ST, ELKO, NV 89801-3433

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1345 OAK ST, ELKO, NV 89801-3433

Mortgage

Document Number	0000858727
Date	Dec 17, 2025
Instrument	858727

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

December 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ELKO NV
Recording Date	Dec 17, 2025
Property Address	1345 OAK ST, ELKO, NV 89801-3433
Document Number	0000858725
Map Reference	FILE 43255
Instrument Date	Dec 10, 2025
Instrument	858725
Transaction Type	Transfer
Record Updated	Dec 30, 2025
Title Company	UNKNOWN, WFG NEVADA

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1345 OAK ST, ELKO, NV 89801-3433

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1345 OAK ST, ELKO, NV 89801-3433
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE NV RENO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000762340
Date	Nov 20, 2019
Instrument	762340

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

June 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jun 1, 2018
Property Address	1345 OAK ST, ELKO, NV 89801-3433
Document Number	0000741481
Instrument Date	Mar 23, 2018
Instrument	741481
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	815 KILEY PKWY UNIT 905, 905, SPARKS, NV 89436-4087

Mortgage

Document Number	0000741482
Date	Jun 1, 2018
Instrument	741482

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

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	$1,024.00	$38,494 (-0.26%) Land $15,050 Building $23,444	$109,983 (-0.26%) Land $43,000 Building $66,983
2025		$38,596 (+37.46%) Land $15,050 Building $23,546	$110,274 (+37.45%) Land $43,000 Building $67,274
2023		$28,079 Land $6,615 Building $21,464	$80,226 Land $18,900 Building $61,326
2020	$1.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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