Elko County property record for 1409 Clover Hills Dr, Elko, NV 89801
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,039 sqft · built 1992 |
| Lot Size | 0.144 acres (6,273 sqft) |
| Owner | Individual Name on File |
| Last Sale | $314,500 (Jul 2025) |
| Tax Bill | $2,588 (2026) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-994-035 |
| Primary APN | 001-994-035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,039 sqft Living Area |
| Gross Area | 2,614 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,273 sqft (0.144 acres) |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1409 CLOVER HILLS DR |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801-7931 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZR |
| Legal Description | CLOVER HILLS SUBDIVISION PHASE 4 FILE 293681,LOCATED IN,MDB&M |
| Legal Range | 55E |
| Legal Township | 34N |
| Legal Section | 17 |
| Legal Subdivision | CLOVER HILLS SUB PHASE 4 |
| Legal Phase | 4 |
| Legal Block | 1 |
| Legal Lot Number | 435 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 950701 |
1409 Clover Hills Dr is owned and occupied by an individual who bought it in July 2025.
Source: Elko County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1409 CLOVER HILLS DR, ELKO, NV 89801-7931 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2025 · Amount on File |
| Deed Sale | Jul 25, 2025 · Amount on File |
| Prior Sale | Oct 22, 2021 · Amount on File |
| Deed Document Number | 2025852667 |
| Prior Transfer Date | Mar 20, 2014 |
| Prior Transfer Doc | 0000684529 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Oct 22, 2021 |
| Property Address | 1409 CLOVER HILLS DR, ELKO, NV 89801-7931 |
| Document Number | 0000796283 |
| Map Reference | FILE 293681 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 796283 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2021 |
| Title Company | WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO OF NV |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3807 E 120 N, 3807, RIGBY, ID 83442-4930 |
| Name | Verified Name |
|---|---|
| Address | 1409 CLOVER HILLS DR, ELKO, NV 89801-7931 |
| Document Number | 0000796284 |
|---|---|
| Date | Oct 22, 2021 |
| Instrument | 796284 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Adjustable | Adjustable Rate Rider |
|---|
The 2026 property tax bill for 1409 Clover Hills Dr was $2,588, up 3.7% from the year before.
Source: Elko County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Municipality | Elko City |
| Unified School District | Elko County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,588.00 (+3.73%) | $70,695 (+3.71%) Land $22,243 Building $48,453 | $201,986 (+3.71%) Land $63,551 Building $138,437 |
| 2025 | $2,495.00 (+9.62%) | $68,164 Land $18,200 Building $49,964 | $194,754 Land $52,000 Building $142,754 |
| 2024 | $2,276.00 (+12.78%) | ||
| 2023 | $2,018.00 (+7.97%) | $59,530 (+12.36%) Land $14,875 Building $44,655 | $170,086 (+12.36%) Land $42,500 Building $127,586 |
| 2022 | $1,869.00 | $52,981 Land $14,875 Building $38,106 | $151,374 Land $42,500 Building $108,874 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1409 Clover Hills Dr in Zone X, an area of minimal flood risk.
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 risk around 1409 Clover Hills Dr is very high, ranking above 92% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 92% of the US · above 79% of Nevada |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 203 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 Cable | 1,000 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| Rise Broadband Fixed Wireless | 250 / 50 |
| White Cloud Communications Fixed Wireless | 200 / 50 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
May also be available: CC Communications Broadband.
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