174 Elm St, Elko, NV 89801 Property Records

Elko County property record for 174 Elm St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,324 sqft · built 1958
Lot Size	0.152 acres (6,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Aug 2023)
Tax Bill	$1,249 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`001-042-007`

Property Details

APN / Parcel Number

Primary APN	`001-042-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,324 sqft Living Area
Gross Area	1,808 sqft
1st Floor Area	1,324 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,621 sqft (0.152 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	174 ELM ST
City	ELKO
State	NV
Zip	89801-2812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	SUNSET HEIGHTS SUBDIVISION FILE 75368 BLOCK 108R
Legal Subdivision	SUNSET HEIGHTS SUBDIVISION
Legal Block	1
Legal Lot Number	4
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1037
Census Tract	950900

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	174 ELM ST, ELKO, NV 89801-2812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Aug 28, 2023	Bargain and Sale Deed, Transfer · FHA Mortgage ON Q FINANCIAL INC
Jul 18, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Sep 1, 2017	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 31, 2017	Quit Claim Deed, Transfer DOCUMENT PROCESSING SOLUTIONS
Jan 26, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2023 · Amount on Record
Deed Sale	Aug 28, 2023 · Amount on Record
Prior Sale	Jul 18, 2019 · Amount on Record
Deed Document Number	2023824479
Prior Transfer Date	Mar 23, 2017
Prior Transfer Doc	0000723460
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Recording Date	Apr 1, 2026
Property Address	174 ELM ST, ELKO, NV 89801-2812
Document Number	0000862923
Instrument Date	Feb 25, 2026
Instrument	2026862923
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 ELM ST, ELKO, NV 89801-2812

Mortgage

Document Number	0000862923,
Date	Apr 1, 2026
Instrument	2026862923

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Sep 1, 2053

Interest

Rate	6.1%
Max Rate	-1%

August 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Aug 28, 2023
Property Address	174 ELM ST, ELKO, NV 89801-2812
Document Number	0000824479
Instrument Date	Aug 4, 2023
Instrument	824479
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,209.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	455 TAFT AVE, GLEN ELLYN, IL 60137-6202

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	174 ELM ST, ELKO, NV 89801-2812

Mortgage

Document Number	0000824480
Date	Aug 28, 2023
Instrument	824480

Lender

Name	ON Q FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

July 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jul 18, 2019
Property Address	174 ELM ST, ELKO, NV 89801-2812
Document Number	0000756763
Instrument Date	Jul 11, 2019
Instrument	756763
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$877.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	944 W SHEM DR, 944, GILBERT, AZ 85233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 ELM ST, ELKO, NV 89801-2812

Mortgage

Document Number	0000756764
Date	Jul 18, 2019
Instrument	756764

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

September 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Sep 1, 2017
Property Address	174 ELM ST, ELKO, NV 89801-2812
Document Number	0000730159
Instrument Date	Aug 23, 2017
Instrument	730159
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1837 SEQUOIA DR, 1837, ELKO, NV 89801-1608

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 1037, ELKO, NV 89803-1037

Mortgage

Document Number	0000730160
Date	Sep 1, 2017
Instrument	730160

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	Mar 31, 2017
Property Address	174 ELM ST, ELKO, NV 89801-2812
Document Number	0000723460
Instrument Date	Mar 23, 2017
Instrument	723460
Transaction Type	Transfer
Record Updated	May 9, 2017
Title Company	DOCUMENT PROCESSING SOLUTIONS

Transaction

Amount	Amount Recorded
Tax	$627.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1837 SEQUOIA DR ELKO NV 898011608, ELKO, NV 89801-1608

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ELKO NV
Recording Date	Jan 26, 2017
Property Address	174 ELM ST, ELKO, NV 89801-2812
Document Number	0000721060
Instrument Date	Jan 18, 2017
Instrument	721060
Transaction Type	Foreclosure
Record Updated	Feb 20, 2017

Transaction

Amount	Amount Recorded
Tax	$585.39
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1600 S DOUGLASS RD #200A ANAHEIM CA 928065948, 200A, ANAHEIM, CA 92806-5948

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	$1,249.00 (+14.06%)	$38,014 (+3.1%) Land $15,050 Building $22,964	$108,611 (+3.1%) Land $43,000 Building $65,611
2025	$1,095.00 (+5.69%)	$36,870 (+39.13%) Land $15,050 Building $21,820	$105,343 (+39.13%) Land $43,000 Building $62,343
2024	$1,036.00 (+12.98%)
2023	$917.00 (+7.88%)	$26,501 (+14.36%) Land $6,615 Building $19,886	$75,717 (+14.36%) Land $18,900 Building $56,817
2022	$850.00	$23,173 Land $6,615 Building $16,558	$66,209 Land $18,900 Building $47,309

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 94% of the US · lower than 99.5% of Nevada
Wildfire Likelihood	Under 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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