1380 Oak St, Elko, NV 89801 Property Records

Elko County property record for 1380 Oak St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,091 sqft · built 1952
Lot Size	0.169 acres (7,362 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Apr 2026)
Tax Bill	$1,174 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`001-203-007`

Property Details

APN / Parcel Number

Primary APN	`001-203-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,091 sqft Living Area
Gross Area	2,182 sqft
1st Floor Area	1,091 sqft
Basement Area	1,091 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	7,362 sqft (0.169 acres)
Garage Type	Carport
Garage Area	408 sqft
Carport	Carport
Carport Area	408 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1380 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,AND THE NLY(SOMETIMES REFERRED TO AS ELY),168!! OF
Legal Subdivision	SMITHS ADDITION
Legal Block	4
Legal Lot Number	1,2
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2006
Census Tract	950800

Owner

1380 Oak St is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1380 OAK ST, ELKO, NV 89801-3434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Bargain and Sale Deed, Transfer · VA Mortgage EVERGREEN MONEYSOURCE MORTGAGE COMPANY
Aug 11, 2021	Intrafamily Transfer, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 28, 2019	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Dec 15, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2026 · Amount on File
Deed Sale	Apr 23, 2026 · Amount on File
Prior Sale	Aug 11, 2021
Deed Document Number	2026863687
Prior Transfer Date	Apr 27, 2021
Prior Transfer Doc	0000792949
Record Updated	Oct 29, 2026

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Apr 23, 2026
Property Address	1380 OAK ST, ELKO, NV 89801-3434
Document Number	0000863687
Instrument Date	Apr 9, 2026
Instrument	2026.863687
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124,078.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1380 OAK ST, ELKO, NV 89801-3434

Mortgage

Document Number	0000863688,
Date	Apr 23, 2026
Instrument	2026.863688

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE COMPANY

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Aug 11, 2021
Property Address	1380 OAK ST, ELKO, NV 89801-3434
Document Number	0000792949
Instrument Date	Apr 27, 2021
Instrument	792949
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1380 OAK ST, ELKO, NV 89801-3434

Mortgage

Document Number	0000792950
Date	Aug 11, 2021
Instrument	792950

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	357 Months
Due	May 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1380 OAK ST, ELKO, NV 89801-3434
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000761107
Date	Oct 28, 2019
Instrument	761107

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	1380 OAK ST, ELKO, NV 89801-3434
Document Number	0000749826
Instrument Date	Dec 15, 2018
Transaction Type	Mortgage
Record Updated	Jan 3, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1380 OAK ST ELKO NV 898013434, ELKO, NV 89801-3434

Mortgage

Document Number	0000749826
Date	Dec 20, 2018
Instrument	749826

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1380 Oak St was $1,174, up 5.5% from the year before.

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	$1,174.00 (+5.48%)	$41,883 (-0.13%) Land $19,950 Building $21,933	$119,666 (-0.13%) Land $57,000 Building $62,666
2025	$1,113.00 (+5.7%)	$41,938 Land $19,950 Building $21,988	$119,823 Land $57,000 Building $62,823
2024	$1,053.00 (+12.02%)
2023	$940.00 (+15.76%)	$26,905 (+21.48%) Land $6,930 Building $19,975	$76,871 (+21.48%) Land $19,800 Building $57,071
2022	$812.00	$22,147 Land $6,930 Building $15,217	$63,277 Land $19,800 Building $43,477

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

Flood

FEMA maps place 1380 Oak St in Zone X, an area of moderate flood risk.

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

Wildfire risk around 1380 Oak St is moderate, ranking above 51% of the US, with a 0.08% annual chance of 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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