304 Willow St, Elko, NV 89801 Property Records

Elko County property record for 304 Willow St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 216 sqft · built 1959
Lot Size	0.138 acres (6,011 sqft)
Owner	Individual Name on Record
Last Sale	$198,000 (Jul 2019)
Tax Bill	$1,192 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-012-007`

Property Details

APN / Parcel Number

Primary APN	`001-012-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,429 sqft Living Area
1st Floor Area	1,429 sqft
Interior Walls	Concrete

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	6,011 sqft (0.138 acres)
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	53 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative

Location & Zoning

Street Address	304 WILLOW ST
City	ELKO
State	NV
Zip	89801-2854
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	C
Legal Lot Number	7
Legal Unit	2
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1002
Census Tract	950900

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	Individual Name on Record
Mailing Address	304 WILLOW ST, ELKO, NV 89801-2854
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCAP LENDING
Jul 8, 2019	Grant Deed, Transfer · Conventional with PMI SYNERGY ONE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2019 · Amount on Record
Deed Sale	Jul 8, 2019 · Amount on Record
Deed Document Number	2019756416
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	304 WILLOW ST, ELKO, NV 89801-2854
Transaction Type	Mortgage
Record Updated	Oct 22, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000794382
Date	Sep 13, 2021
Instrument	794382

Lender

Name	INTERCAP LENDING
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

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

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELKO NV
Recording Date	Jul 8, 2019
Property Address	304 WILLOW ST, ELKO, NV 89801-2854
Document Number	0000756416
Instrument Date	Jun 26, 2019
Instrument	756416
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$772.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 WILLOW ST ELKO NV 898012854, ELKO, NV 89801-2854

Mortgage

Document Number	756417
Date	Jul 8, 2019
Instrument	756417

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 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	$1,192.00 (+5.39%)	$37,508 (-0.36%) Land $15,050 Building $22,458	$107,166 (-0.36%) Land $43,000 Building $64,166
2025	$1,131.00 (+19.56%)	$37,643 (+37.55%) Land $15,050 Building $22,593	$107,551 (+37.55%) Land $43,000 Building $64,551
2023	$946.00 (+7.99%)	$27,366 (+14.47%) Land $6,615 Building $20,751	$78,189 (+14.47%) Land $18,900 Building $59,289
2022	$876.00	$23,907 Land $6,615 Building $17,292	$68,306 Land $18,900 Building $49,406

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	Low lower than 80% of the US · lower than 91% of Nevada
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 714 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 Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: CC Communications Broadband, Rise Broadband.

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