3480 Adobe Ranchos Dr, Elko, NV 89801 Property Records

Elko County property record for 3480 Adobe Ranchos Dr, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	1,948 sqft · built 1997
Lot Size	40.2 acres (1,751,548 sqft)
Owner	Individual Name on Record
Tax Bill	$2,182 (2026)
Deeds & Mortgages	Dec 2018 Line of Credit Nov 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`005-52C-003`

Property Details

APN / Parcel Number

Primary APN	`005-52C-003`
Alternative APN	`005-520-016`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,948 sqft Living Area
Gross Area	3,490 sqft
Basement Area	1,058 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Roof Material	Metal
Lot Area	1,751,548 sqft
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3480 ADOBE RANCHOS DR
City	ELKO
State	NV
Zip	89801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OS
Legal Description	ADOBE RANCHOS FILE 360883 (DIVISION OF LARGE PCLS),BEING LOCATED IN A PORTION OF,MDB&M
Legal Range	54E
Legal Township	35N
Legal Section	11
Legal Subdivision	ADOBE RANCHOS
Legal Block	A
Legal Lot Number	3
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	3
Census Block	3013
Census Tract	950702

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	3480 ADOBE RANCHOS DR, ELKO, NV 89801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2018	Deed of Trust, Mortgage · Line of Credit ELKO FCU
Nov 13, 2020	Bargain and Sale Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 10, 2018	Deed of Trust, Mortgage OPERATING ENGINEERS #3 FCU
May 30, 2017	Quit Claim Deed, Transfer SONYA D WILLIAMS
May 30, 2017	Intrafamily Transfer, Transfer STEWART TITLE ELKO
May 30, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage ELKO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2020
Deed Sale	Nov 13, 2020
Deed Document Number	2020777030
Prior Transfer Date	Feb 23, 2015
Prior Transfer Doc	0000725421
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	3480 ADOBE RANCHOS DR, ELKO, NV 89801
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000749491
Date	Dec 13, 2018
Instrument	749491

Lender

Name	ELKO FCU
Type	Credit Union
Address	ELKO, NV 89801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 12, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Nov 13, 2020
Property Address	3480 ADOBE RANCHOS DR, ELKO, NV 89801
Document Number	0000777030
Instrument Date	Oct 7, 2020
Instrument	777030
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	WFG NATIONAL TITLE CO OF NV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,150.50
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	505 COPPER ST APT 1503, 505, ELKO, NV 89801-4594

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3480 ADOBE RANCHOS DR, ELKO, NV 89801
Investor	Possibly a Property Investor

Mortgage

Document Number	0000777031
Date	Nov 13, 2020
Instrument	777031

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	3480 ADOBE RANCHOS DR, ELKO, NV 89801
Document Number	0000739422
Instrument Date	Apr 10, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	458 MOUNTAIN CITY HWY #1 ELKO NV 898019513, 1, ELKO, NV 89801-9513

Mortgage

Document Number	0000739422
Date	Apr 16, 2018
Instrument	739422

Lender

Name	OPERATING ENGINEERS #3 FCU
Type	Credit Union
Address	LIVERMORE, CA 94551

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2033

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	May 30, 2017
Property Address	3480 ADOBE RANCHOS DR, ELKO, NV 89801
Document Number	0000725423
Instrument Date	May 23, 2017
Instrument	725423
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	458 MOUNTAIN CITY HWY #1 ELKO NV 898019513, 1, ELKO, NV 89801-9513

Mortgage

Document Number	725425
Date	May 30, 2017
Instrument	725425

Lender

Name	SONYA D WILLIAMS

Agreement

Amount	Amount Recorded

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	May 30, 2017
Property Address	3480 ADOBE RANCHOS DR, ELKO, NV 89801
Document Number	0000725422
Map Reference	FILE360883
Instrument Date	May 22, 2017
Instrument	725422
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7438 W MEADOW LARK LN, 7438, RATHDRUM, ID 83858-8170

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	458 MOUNTAIN CITY HWY UNIT 1, 1, ELKO, NV 89801-9513

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	May 30, 2017
Property Address	3480 ADOBE RANCHOS DR, ELKO, NV 89801
Document Number	0000725421
Map Reference	FILE360883
Instrument Date	Feb 23, 2015
Instrument	725421
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	458 MOUNTAIN CITY HWY # HWY1, 458, ELKO, NV 89801-9512

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	458 MOUNTAIN CITY HWY UNIT 1, 1, ELKO, NV 89801-9513

Mortgage

Document Number	0000725424
Date	May 30, 2017
Instrument	725424

Lender

Name	ELKO FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	73 Months
Due	Jun 1, 2023

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Nevada
County	Elko County
Unified School District	Elko County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,182.00 (-2.2%)	$83,551 (-2.2%) Land $13,650 Building $69,901	$238,717 (-2.2%) Land $39,000 Building $199,717
2025	$2,231.00 (+9.04%)	$85,431 (+3.5%) Land $13,650 Building $71,781	$244,089 (+3.5%) Land $39,000 Building $205,089
2023	$2,046.00 (+7.97%)	$82,539 (+13.77%) Land $13,650 Building $68,889	$235,826 (+13.78%) Land $39,000 Building $196,826
2022	$1,895.00	$72,546 Land $13,650 Building $58,896	$207,274 Land $39,000 Building $168,274

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

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 90% of the US · above 76% of Nevada
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Hot Spot Broadband Fixed Wireless	100 / 50
Nehalem Telecom DSL	100 / 20

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