Elko County property record for 198 Willow St, Elko, NV 89801
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,573 sqft · built 1959 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,219 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-011-007 |
| Primary APN | 001-011-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,573 sqft Living Area |
| 1st Floor Area | 1,573 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 6,011 sqft (0.138 acres) |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Evaporative |
|---|
| Street Address | 198 WILLOW ST |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801-2850 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZR |
| Legal Description | ELKO HEIGHTS SUB UNIT NO 2 FILE 14530 |
| Legal Subdivision | ELKO HEIGHTS SUB NO 2 |
| Legal Block | D |
| Legal Lot Number | 1 |
| Legal Unit | 2 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 950900 |
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 | 198 WILLOW ST, ELKO, NV 89801-2850 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Mar 9, 2019 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Mar 9, 2019 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 198 WILLOW ST, ELKO, NV 89801-2850 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 198 WILLOW ST, ELKO, NV 89801-2850 |
| Document Number | 0000783580 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 783580 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 157 Months |
| Due | Apr 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 198 WILLOW ST, ELKO, NV 89801-2850 |
| Document Number | 0000752596 |
| Instrument Date | Mar 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 198 WILLOW ST ELKO NV 898012850, ELKO, NV 89801-2850 |
| Document Number | 0000752596 |
|---|---|
| Date | Mar 20, 2019 |
| Instrument | 752596 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 95610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 19, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 198 WILLOW ST, ELKO, NV 89801-2850 |
| Document Number | 0000757186 |
| Instrument Date | Mar 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 198 WILLOW ST ELKO NV 898012850, ELKO, NV 89801-2850 |
| Document Number | 0000757186 |
|---|---|
| Date | Jul 26, 2019 |
| Instrument | 757186 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 25, 2034 |
Source: Elko County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Municipality | Elko City |
| Unified School District | Elko County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,219.00 (+35.75%) | $43,531 (+22.42%) Land $15,050 Building $28,481 | $124,374 (+22.42%) Land $43,000 Building $81,374 |
| 2025 | $898.00 (+12.96%) | $35,559 (+40.6%) Land $15,050 Building $20,509 | $101,597 (+40.61%) Land $43,000 Building $58,597 |
| 2023 | $795.00 (+2.98%) | $25,290 (+14.17%) Land $6,615 Building $18,675 | $72,257 (+14.17%) Land $18,900 Building $53,357 |
| 2022 | $772.00 | $22,152 Land $6,615 Building $15,537 | $63,291 Land $18,900 Building $44,391 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 82% of Nevada |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 340 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 Cable · Fiber in parts of the area | 1,000 / 25 |
| White Cloud Communications Fixed Wireless · Fiber in parts of the area | 200 / 50 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
May also be available: AT&T, Beehive Broadband, CC Communications Broadband, Rise Broadband, Verizon.
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