197 Elko Summit Dr, Elko, NV 89801 Property Records

Elko County property record for 197 Elko Summit Dr, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,120 sqft · built 2014
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,500 (Sep 2014)
Tax Bill	$6,767 (2026)
Deeds & Mortgages	May 2023 Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`006-09K-070`

Property Details

APN / Parcel Number

Primary APN	`006-09K-070`
Alternative APN	`006-09K-011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,120 sqft Living Area
Gross Area	4,078 sqft
1st Floor Area	3,120 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	435,600 sqft
Garage Type	Attached
Garage Area	958 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	197 ELKO SUMMIT DR
City	ELKO
State	NV
Zip	89801-0906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SL
Legal Description	ELKO SUMMIT DR
Legal Range	55E
Legal Township	34N
Legal Section	25
Legal Subdivision	ELKO SUMMIT ESTATES
Legal Block	2
Legal Lot Number	11A
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2004
Census Tract	951202

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	197 ELKO SUMMIT DR, ELKO, NV 89801-0906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2023	Deed of Trust, Mortgage · Commercial Mortgage RURAL NEVADA DEVELOPMENT CORP
May 4, 2023	Deed of Trust, Mortgage RURAL DEVELOPMENT CORPORATION
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2014 · Amount on Record
Deed Sale	Sep 24, 2014 · Amount on Record
Prior Sale	Sep 24, 2014 · Amount on Record
Deed Document Number	2014690606
Prior Transfer Date	May 13, 2010
Prior Transfer Doc	0000626684
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	197 ELKO SUMMIT DR, ELKO, NV 89801-0906
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 ELKO SUMMIT DR, ELKO, NV 89801-0906

Mortgage

Document Number	0000818960
Date	May 4, 2023
Instrument	818960

Lender

Name	RURAL NEVADA DEVELOPMENT CORP
Type	Non-Lending Institution
Address	ELY, NV 89301

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	197 ELKO SUMMIT DR, ELKO, NV 89801-0906
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 ELKO SUMMIT DR, ELKO, NV 89801-0906

Mortgage

Document Number	0000818961
Date	May 4, 2023
Instrument	818961

Lender

Name	RURAL DEVELOPMENT CORPORATION
Type	Non-Lending Institution
Address	ELY, NV 89301

Agreement

Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	197 ELKO SUMMIT DR, ELKO, NV 89801-0906
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000764819
Date	Jan 31, 2020
Instrument	764819

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	197 ELKO SUMMIT DR, ELKO, NV 89801-0906
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	STEWART TITLE ELKO, STEWART TTILE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000781684
Date	Jan 28, 2021
Instrument	781684

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Elko County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Nevada
County	Elko County
Unified School District	Elko County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,767.00 (-1.36%)	$252,762 (-1.36%) Land $28,000 Building $224,762	$722,177 (-1.36%) Land $80,000 Building $642,177
2025	$6,860.00 (-1.92%)	$256,248 (+5.06%) Land $28,000 Building $228,248	$732,137 (+5.06%) Land $80,000 Building $652,137
2024	$6,994.00 (+14.69%)
2023	$6,098.00 (+8.01%)	$243,896 (+15.66%) Land $28,000 Building $215,896	$696,846 (+15.66%) Land $80,000 Building $616,846
2022	$5,646.00	$210,865 Land $28,000 Building $182,865	$602,471 Land $80,000 Building $522,471

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force

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	Extreme above 99.6% of the US · above 97.6% of Nevada
Wildfire Likelihood	5% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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