2650 Shadow Rdg Dr, Elko, NV 89801 Property Records

Elko County property record for 2650 Shadow Rdg Dr, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 1,924 sqft · built 1988
Lot Size	0.155 acres (6,752 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Feb 2026)
Tax Bill	$2,172 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001-991-015`

Property Details

APN / Parcel Number

Primary APN	`001-991-015`
Alternative APN	`001-660-034`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,924 sqft Living Area
Gross Area	2,500 sqft
1st Floor Area	1,132 sqft
Basement Area	792 sqft
Finished Basement	792 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,752 sqft (0.155 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	282 sqft
Patio Area	282 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2650 SHADOW RIDGE DR
City	ELKO
State	NV
Zip	89801-7922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	CLOVER HILLS SUBDIVISION PHASE 2 FILE 278494,LOCATED IN,MDB&M
Legal Range	55E
Legal Township	34N
Legal Section	17
Legal Subdivision	CLOVER HILLS SUB PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	215
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1019
Census Tract	950701

Owner

Source: Elko County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2654 GEORGIA AVE, ELKO, NV 89801-5483
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Feb 12, 2026	Bargain and Sale Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 12, 2021	Intrafamily Transfer, Transfer
Mar 19, 2020	Deed of Trust, Mortgage · VA Mortgage USAA
May 10, 2019	Grant Deed, Transfer USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2026 · Amount on File
Deed Sale	Feb 12, 2026 · Amount on File
Prior Sale	May 10, 2019 · Amount on File
Deed Document Number	2026860645
Prior Transfer Date	Oct 4, 2021
Prior Transfer Doc	0000795844
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	2650 SHADOW RIDGE DR, ELKO, NV 89801-7922
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000793129
Date	Aug 13, 2021
Instrument	793129

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

February 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Feb 12, 2026
Property Address	2650 SHADOW RIDGE DR, ELKO, NV 89801-7922
Document Number	0000860645
Map Reference	FILE 278494
Instrument Date	Feb 6, 2026
Instrument	860645
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,384.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2650 SHADOW RIDGE DR, ELKO, NV 89801-7922

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2654 GEORGIA AVE, ELKO, NV 89801-5483
Investor	Possibly a Property Investor

Mortgage

Document Number	0000860646
Date	Feb 12, 2026
Instrument	860646

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Oct 12, 2021
Property Address	2650 SHADOW RIDGE DR, ELKO, NV 89801-7922
Document Number	0000795844
Map Reference	FILE 278494
Instrument Date	Oct 4, 2021
Instrument	795844
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2650 SHADOW RIDGE DR, ELKO, NV 89801-7922

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	2650 SHADOW RIDGE DR, ELKO, NV 89801-7922
Document Number	0000766722
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2650 SHADOW RIDGE DR ELKO NV 898017922, ELKO, NV 89801-7922

Mortgage

Document Number	0000766722
Date	Mar 24, 2020
Instrument	766722

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 23, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELKO NV
Recording Date	May 10, 2019
Property Address	2650 SHADOW RIDGE DR, ELKO, NV 89801-7922
Document Number	0000754344
Instrument Date	Apr 18, 2019
Instrument	754344
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2650 SHADOW RIDGE DR ELKO NV 898017922, ELKO, NV 89801-7922

Mortgage

Document Number	754345
Date	May 10, 2019
Instrument	754345

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 9, 2049

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	$2,172.00 (+3.04%)	$63,489 (+10.24%) Land $22,243 Building $41,246	$181,397 (+10.24%) Land $63,551 Building $117,846
2025	$2,108.00 (+8.77%)	$57,592 (+3.48%) Land $14,875 Building $42,717	$164,549 (+3.48%) Land $42,500 Building $122,049
2023	$1,938.00 (+8.03%)	$55,657 (+11.79%) Land $14,875 Building $40,782	$159,020 (+11.79%) Land $42,500 Building $116,520
2022	$1,794.00	$49,789 Land $14,875 Building $34,914	$142,254 Land $42,500 Building $99,754

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	Very High above 91% of the US · above 77% of Nevada
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Anthem Broadband of Nevada Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50
Rise Broadband Fixed Wireless	100 / 20

May also be available: Zito Media.

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