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285 Spruce Rd, Elko, NV 89801 Property Records

Elko County property record for 285 Spruce Rd, Elko, NV 89801

Property Summary

Property TypeCommercial
Details24,000 sqft · built 1981
Lot Size8.18 acres (356,539 sqft)
OwnerCompany Name on Record
Last Sale$2,300,000 (Oct 2020)
Tax Bill$23,611 (2026)
Deeds & MortgagesOct 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN001-610-003

Property Details

APN / Parcel Number

Primary APN001-610-003
Alternative APN
  • 001-610-122

Interior

Units2 Units
Stories1 Story
Building Area24,000 sqft Gross Area
1st Floor Area24,000 sqft

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Exterior MaterialMetal
Construction TypeConcrete Block
Lot Area356,539 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C

Location & Zoning

Street Address285 SPRUCE RD
CityELKO
StateNV
Zip89801-4491
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning CodeZLI
Legal DescriptionA PARCEL LOCATED IN THE SE4SE4 OF,MDB&M DESCRIBED AS FOLLOWS:,COMM AT COR 1, A PT ON THE NLY R/W OF A CITY OF,ELKO FRONTAGE
Legal Range55E
Legal Township34N
Legal Section09
Legal Block2
JurisdictionELKO NV
Township / Civil DivisionELKO
Census Block Group2
Census Block2030
Census Tract950701

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 RecordCompany Name on Record
Mailing Address285 SPRUCE RD, ELKO, NV 89801-4491
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 28, 2020 · Amount on Record
Deed SaleOct 28, 2020 · Amount on Record
Prior SaleOct 8, 2020 · Amount on Record
Deed Document Number2020776109
Prior Transfer DateOct 7, 2020
Prior Transfer Doc0000775208
Record UpdatedOct 29, 2026

October 2020: Bargain and Sale Deed, Transfer

Document TypeBargain and Sale Deed
JurisdictionELKO NV
Recording DateOct 28, 2020
Property Address285 SPRUCE RD, ELKO, NV 89801-4491
Document Number0000776109
Instrument DateSep 23, 2020
Instrument776109
Transaction TypeTransfer
Record UpdatedNov 8, 2022
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$8,970.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address200 SCHARFF AVE, 200, SAN JOSE, CA 95116

Transferred To (Grantee/Buyer)

NameVerified Name
Address433 S 5TH ST, ELKO, NV 89801-4255

Mortgage

Document Number0000776110
DateOct 28, 2020
Instrument776110
Lender
NameELKO FCU
TypeCredit Union
AddressELKO, NV 89801
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term180 Months
DueOct 23, 2035
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNevada
CountyElko County
MunicipalityElko City
Unified School DistrictElko County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$23,611.00 (+5.4%)$693,805 (+13.36%) Land $199,662 Building $494,144$1,982,300 (+13.36%) Land $570,463 Building $1,411,840
2025$22,401.00 (-7.95%)$612,038 (-12.82%) Land $100,267 Building $511,771$1,748,680 (-12.82%) Land $286,477 Building $1,462,203
2022$702,019 Land $253,090 Building $448,929$2,005,768 Land $723,114 Building $1,282,654
2020$24,336.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (2015)
Claims Outside the SFHA1 of 1
Most Recent ClaimMay 2015 · rainfall accumulation

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 RiskModerate
above 67% of the US · above 40% of Nevada
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF ELKO
serves 23,000 people · EPA ID NV0000272
Water SourceGroundwater
Last State InspectionSep 2024
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 274 locations within half a mile, as of December 31, 2025

ProviderMax 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		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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