1385 Oak St, Elko, NV 89801 Property Records

Elko County property record for 1385 Oak St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 900 sqft · built 1953
Lot Size	0.126 acres (5,489 sqft)
Owner	Company Name on Record
Last Sale	$195,000 (Oct 2018)
Tax Bill	$917 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`001-202-008`

Property Details

APN / Parcel Number

Primary APN	`001-202-008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	900 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	5,489 sqft (0.126 acres)
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Patio Area	464 sqft
Canopy	68 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1385 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,LESS 0.82X112.58 OF LOT 31 DEEDED AWAY,PER 24/472
Legal Subdivision	SMITHS ADDITION
Legal Block	5
Legal Lot Number	31
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1385 OAK ST, ELKO, NV 89801-3433
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 5, 2018	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2018 · Amount on Record
Deed Sale	Oct 5, 2018 · Amount on Record
Deed Document Number	2018746768
Last Transfer Date	Oct 22, 2020
Transfer Doc	0000776166
Record Updated	Oct 29, 2026

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Oct 28, 2020
Property Address	1385 OAK ST, ELKO, NV 89801-3433
Document Number	0000776166
Instrument Date	Oct 22, 2020
Instrument	776166
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE

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
Relationship	Family Trust
Address	1385 OAK ST, ELKO, NV 89801-3433

Mortgage

Document Number	0000776167
Date	Oct 28, 2020
Instrument	776167

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

October 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Oct 5, 2018
Property Address	1385 OAK ST, ELKO, NV 89801-3433
Document Number	0000746768
Instrument Date	Sep 27, 2018
Instrument	746768
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

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	1385 OAK ST, 1385, ELKO, NV 89801-3433

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1705, ELKO, NV 89803-1705

Mortgage

Document Number	0000746769
Date	Oct 5, 2018
Instrument	746769

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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	$917.00 (+3.03%)	$34,965 (-0.29%) Land $15,050 Building $19,915	$99,900 (-0.29%) Land $43,000 Building $56,900
2025	$890.00 (+12.8%)	$35,068 (+42.47%) Land $15,050 Building $20,018	$100,194 (+42.47%) Land $43,000 Building $57,194
2023	$789.00 (+5.91%)	$24,614 (+15.79%) Land $6,615 Building $17,999	$70,326 (+15.79%) Land $18,900 Building $51,426
2022	$745.00	$21,257 Land $6,615 Building $14,642	$60,734 Land $18,900 Building $41,834

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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