340 Elm St, Elko, NV 89801 Property Records

Elko County property record for 340 Elm St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 850 sqft · built 1950
Lot Size	0.106 acres (4,617 sqft)
Owner	Individual Name on File
Tax Bill	$871 (2026)
Deeds & Mortgages	Sep 2026 Mortgage May 2023 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`001-055-003`

Property Details

APN / Parcel Number

Primary APN	`001-055-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	850 sqft Living Area
Gross Area	1,450 sqft
1st Floor Area	850 sqft
Basement Area	600 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,617 sqft (0.106 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	340 ELM ST
City	ELKO
State	NV
Zip	89801-2816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	FIRST ADDITION FILE 5,AND THE NELY 21.00 OF
Legal Subdivision	FIRST ADDITION
Legal Block	110
Legal Lot Number	7
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1020
Census Tract	950900

Owner

340 Elm St is owned and occupied by an individual who acquired it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	340 ELM ST, ELKO, NV 89801-2816
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 23, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 14, 2021	Deed of Trust, Mortgage · Line of Credit ELKO FCU
Apr 29, 2021	Intrafamily Transfer, Transfer
Apr 29, 2021	Intrafamily Transfer, Transfer
Jan 12, 2018	Deed of Trust, Mortgage · Commercial Mortgage ZB NA
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 26, 2021
Transfer Doc	0000786440
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Recording Date	Sep 22, 2026
Property Address	340 ELM ST, ELKO, NV 89801-2816
Document Number	0000869970
Instrument Date	Sep 17, 2026
Instrument	2026869970
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	ROCKET CLOSE LLC-RESIDENTIAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 ELM ST, ELKO, NV 89801-2816

Mortgage

Document Number	0000869970,
Date	Sep 22, 2026
Instrument	2026869970

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	340 ELM ST, ELKO, NV 89801-2816
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 ELM ST, ELKO, NV 89801-2816

Mortgage

Document Number	0000819550
Date	May 23, 2023
Instrument	819550

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	340 ELM ST, ELKO, NV 89801-2816
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000802207
Date	Mar 1, 2022
Instrument	802207

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	237 Months
Due	Dec 1, 2041

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	340 ELM ST, ELKO, NV 89801-2816
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000788834
Date	Jun 14, 2021
Instrument	788834

Lender

Name	ELKO FCU
Type	Credit Union
Address	ELKO, NV 89801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 13, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Apr 29, 2021
Property Address	340 ELM ST, ELKO, NV 89801-2816
Document Number	0000786440
Instrument Date	Apr 26, 2021
Instrument	786440
Transaction Type	Transfer
Record Updated	Aug 18, 2021

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
Address	340 ELM ST, ELKO, NV 89801-2816

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Apr 29, 2021
Property Address	340 ELM ST, ELKO, NV 89801-2816
Document Number	0000786439
Instrument Date	Mar 26, 2021
Instrument	786439
Transaction Type	Transfer
Record Updated	Aug 18, 2021

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	Joint Tenants with Right of Survivorship
Address	340 ELM ST, ELKO, NV 89801-2816

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	340 ELM ST, ELKO, NV 89801-2816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ISGN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000735624
Date	Jan 12, 2018
Instrument	735624

Lender

Name	ZB NA
Type	Bank
Address	ELKO, NV 89801

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	340 ELM ST, ELKO, NV 89801-2816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000773992
Date	Sep 17, 2020
Instrument	773992

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	238 Months
Due	Jul 1, 2040

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	340 ELM ST, ELKO, NV 89801-2816
Document Number	0000762857
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	340 ELM ST ELKO NV 898012816, ELKO, NV 89801-2816

Mortgage

Document Number	0000762857
Date	Dec 4, 2019
Instrument	762857

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 3, 2039

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	340 ELM ST, ELKO, NV 89801-2816
Document Number	0000753107
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	Apr 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	340 ELM ST ELKO NV 898012816, ELKO, NV 89801-2816

Mortgage

Document Number	0000753107
Date	Apr 3, 2019
Instrument	753107

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, NV 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 2, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 340 Elm St was $871, up 18.5% from the year before.

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	$871.00 (+18.5%)	$33,333 (+8.81%) Land $14,700 Building $18,633	$95,237 (+8.81%) Land $42,000 Building $53,237
2025	$735.00	$30,633 Land $14,700 Building $15,933	$87,523 Land $42,000 Building $45,523
2023	$652.00 (+3%)	$20,512 (+13.55%) Land $5,950 Building $14,562	$58,606 (+13.55%) Land $17,000 Building $41,606
2022	$633.00	$18,065 Land $5,950 Building $12,115	$51,614 Land $17,000 Building $34,614

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 340 Elm St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 340 Elm St is low, with a 0.01% annual chance of 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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