145 Oak St, Elko, NV 89801 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,842 sqft · built 1945
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,368 (2026)
Deeds & Mortgages	Nov 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`001-162-008`

Property Details

APN / Parcel Number

Primary APN	`001-162-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	3,842 sqft Living Area
Gross Area	4,868 sqft
1st Floor Area	1,921 sqft
Basement Area	1,026 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	5,009 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	145 OAK ST
City	ELKO
State	NV
Zip	89801-3029
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	62
Legal Lot Number	18-19
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1041
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 OAK ST, ELKO, NV 89801-3029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ELKO NV
Property Address	145 OAK ST, ELKO, NV 89801-3029
Document Number	0000763798
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 OAK ST ELKO NV 898013029, ELKO, NV 89801-3029

Mortgage

Document Number	0000763798
Date	Dec 27, 2019
Instrument	763798

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Dec 26, 2059

Interest

Rate	5.12%

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	$1,368.00 (+15.64%)	$48,943 (+8.79%) Land $15,050 Building $33,893	$139,837 (+8.79%) Land $43,000 Building $96,837
2025	$1,183.00 (+13.21%)	$44,988 (+34.56%) Land $15,050 Building $29,938	$128,537 (+34.56%) Land $43,000 Building $85,537
2023	$1,045.00 (+2.96%)	$33,434 (+9.25%) Land $6,615 Building $26,819	$95,526 (+9.25%) Land $18,900 Building $76,626
2022	$1,015.00	$30,602 Land $6,615 Building $23,987	$87,434 Land $18,900 Building $68,534

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

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