145 Cedar St, Elko, NV 89801 Property Records

Elko County property record for 145 Cedar St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,810 sqft · built 1956
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Apr 2026)
Tax Bill	$1,585 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-095-007`

Property Details

APN / Parcel Number

Primary APN	`001-095-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,810 sqft Living Area
Gross Area	3,380 sqft
1st Floor Area	1,510 sqft
Basement Area	1,510 sqft
Finished Basement	300 sqft
Unfinished Basement	1,210 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Construction Type	Brick
Roof Material	Tile
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	145 CEDAR ST
City	ELKO
State	NV
Zip	89801-3019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	FIRST ADDITION FILE 5
Legal Subdivision	FIRST ADDITION
Legal Block	75
Legal Lot Number	17-19
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1043
Census Tract	951000

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	2 Individual Names on Record
Mailing Address	145 CEDAR ST, ELKO, NV 89801-3019
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE COMPANY
Apr 30, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Mar 15, 2024	Bargain and Sale Deed, Transfer STEWART TITLE ELKO
Dec 30, 2022	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Jan 31, 2025 · Amount on Record
Deed Document Number	2026863930
Prior Transfer Date	Dec 22, 2022
Prior Transfer Doc	0000814787
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Recording Date	Apr 30, 2026
Property Address	145 CEDAR ST, ELKO, NV 89801-3019
Document Number	0000863931
Instrument Date	Apr 24, 2026
Instrument	2026863931
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LANDMARK TITLE ASSURANCE AGENCY, LANDMARK TITLE ASSURANCE AGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	165 MAPLE ST, ELKO, NV 89801-3181

Mortgage

Document Number	0000863931,
Date	Apr 30, 2026
Instrument	2026863931

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Apr 30, 2026
Property Address	145 CEDAR ST, ELKO, NV 89801-3019
Document Number	0000863930
Instrument Date	Apr 20, 2026
Instrument	2026.863930
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	LANDMARK TITLE ASSURANCE AGENCY, LANDMARK TITLE ASSURANCE AGENC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181,194.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	145 CEDAR ST, ELKO, NV 89801-3019

Mortgage

Document Number	0000863931,
Date	Apr 30, 2026
Instrument	2026.863931

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Mar 15, 2024
Property Address	145 CEDAR ST, ELKO, NV 89801-3019
Document Number	0000834565
Instrument Date	Mar 14, 2024
Instrument	834565
Transaction Type	Transfer
Record Updated	Apr 9, 2024
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount Recorded
Tax	$819.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 MOUNTAIN CITY HWY UNIT 15, 15, ELKO, NV 89801-9514

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	HC 30BOX 360, SPRING CREEK, NV 89815-9705

December 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	ELKO NV
Recording Date	Dec 30, 2022
Property Address	145 CEDAR ST, ELKO, NV 89801-3019
Document Number	0000814787
Instrument Date	Dec 22, 2022
Instrument	814787
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 MOUNTAIN CITY HWY UNIT 15, 15, ELKO, NV 89801-9514
Investor	Possibly a Property Investor

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	$1,585.00 (+5.46%)	$56,640 (-0.09%) Land $19,950 Building $36,691	$161,829 (-0.09%) Land $57,000 Building $104,831
2025	$1,503.00 (+2.87%)	$56,693 (+36.33%) Land $19,950 Building $36,743	$161,980 (+36.33%) Land $57,000 Building $104,980
2024	$1,461.00 (+15.04%)
2023	$1,270.00 (+3%)	$41,586 (+16.1%) Land $6,930 Building $34,656	$118,817 (+16.1%) Land $19,800 Building $99,017
2022	$1,233.00	$35,819 Land $6,930 Building $28,889	$102,340 Land $19,800 Building $82,540

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Nevada
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 714 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
Verizon Fixed Wireless	300 / 20
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: CC Communications Broadband, Rise Broadband.

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures