195 Copper St, Elko, NV 89801 Property Records

Elko County property record for 195 Copper St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,992 sqft · built 1981
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,900 (Aug 2018)
Tax Bill	$1,651 (2026)
Deeds & Mortgages	Apr 2024 Second Mortgage Sep 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001-859-024`

Property Details

APN / Parcel Number

Primary APN	`001-859-024`
Alternative APN	`001-610-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,992 sqft Living Area
Gross Area	2,400 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	408 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	195 COPPER ST
City	ELKO
State	NV
Zip	89801-4427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	AUROUS ESTATES SUBDIVISION FILE 138521 LOCATED IN MDB&M
Legal Range	55E
Legal Township	34N
Legal Section	09
Legal Subdivision	AUROUS ESTATES SUBDIVISION
Legal Block	J
Legal Lot Number	24
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	3
Census Block	3026
Census Tract	950701

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	195 COPPER ST, ELKO, NV 89801-4427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Sep 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jun 13, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Oct 20, 2020	Loan Modification, Mortgage · FHA Mortgage PENNYMAC
Aug 24, 2018	Bargain and Sale Deed, Transfer · FHA Mortgage GREATER NEVADA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018 · Amount on Record
Deed Sale	Aug 24, 2018 · Amount on Record
Deed Document Number	2018745352
Prior Transfer Date	Jul 13, 2005
Prior Transfer Doc	0000537657
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	195 COPPER ST, ELKO, NV 89801-4427
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 COPPER ST, ELKO, NV 89801-4427
Investor	Possibly a Property Investor

Mortgage

Document Number	0000835693
Date	Apr 22, 2024
Instrument	835693

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	318 Months
Due	Oct 1, 2050

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	195 COPPER ST, ELKO, NV 89801-4427
Transaction Type	Mortgage
Record Updated	Oct 12, 2023
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LOAN MODIFICATIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 COPPER ST, ELKO, NV 89801-4427
Investor	Possibly a Property Investor

Mortgage

Document Number	0000826555
Date	Sep 26, 2023
Instrument	826555

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Oct 1, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	195 COPPER ST, ELKO, NV 89801-4427
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LOAN MODIFICATIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 COPPER ST, ELKO, NV 89801-4427

Mortgage

Document Number	0000806931
Date	Jun 13, 2022
Instrument	806931

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Oct 1, 2050

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ELKO NV
Property Address	195 COPPER ST, ELKO, NV 89801-4427
Document Number	0000780823
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 COPPER ST ELKO NV 898014427, ELKO, NV 89801-4427

Mortgage

Document Number	0000780823
Date	Jan 19, 2021
Instrument	780823

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Term	360 Months
Due	Jan 18, 2051

Interest

Rate	3.12%

August 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Aug 24, 2018
Property Address	195 COPPER ST, ELKO, NV 89801-4427
Document Number	0000745352
Map Reference	FILE138521
Instrument Date	Aug 16, 2018
Instrument	745352
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	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	195 COPPER ST, ELKO, NV 89801-4427
Investor	Possibly a Property Investor

Mortgage

Document Number	0000745353
Date	Aug 24, 2018
Instrument	745353

Lender

Name	GREATER NEVADA LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 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	$1,651.00 (-2.88%)	$45,075 (-2.95%) Land $14,875 Building $30,200	$128,786 (-2.95%) Land $42,500 Building $86,286
2025	$1,700.00 (+4.1%)	$46,445 (+0.48%) Land $14,875 Building $31,570	$132,700 (+0.48%) Land $42,500 Building $90,200
2023	$1,633.00 (+8%)	$46,222 (+10.22%) Land $14,875 Building $31,347	$132,063 (+10.22%) Land $42,500 Building $89,563
2022	$1,512.00	$41,938 Land $14,875 Building $27,063	$119,823 Land $42,500 Building $77,323

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2002)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2002 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	High above 85% of the US · above 65% of Nevada
Wildfire Likelihood	0.5% 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 425 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CC Communications Broadband Fiber	1,000 / 1,000
Rise Broadband Fixed Wireless	250 / 50
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: Anthem Broadband of Nevada, Verizon, Zito Media.

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