385 Elm St, Elko, NV 89801 Property Records

Elko County property record for 385 Elm St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,468 sqft · built 1970
Lot Size	0.145 acres (6,316 sqft)
Owner	2 Individual Names on File
Last Sale	$157,500 (Nov 2005)
Tax Bill	$1,565 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Jan 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`001-052-014`

Property Details

APN / Parcel Number

Primary APN	`001-052-014`
Alternative APN	`001-052-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,468 sqft Living Area
Gross Area	3,512 sqft
1st Floor Area	1,468 sqft
Basement Area	1,468 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,316 sqft (0.145 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	385 ELM ST
City	ELKO
State	NV
Zip	89801-2815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	PARCEL 1 FILE 98068 FORMERLY PORTIONS FIRST ADDITION FILE 5
Legal Subdivision	FIRST ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1021
Census Tract	950900

Owner

385 Elm St is owned and occupied by two individuals who bought it in November 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	385 ELM ST, ELKO, NV 89801-2815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 14, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jan 23, 2019	Loan Modification, Mortgage · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2005 · Amount on File
Deed Sale	Nov 16, 2005 · Amount on File
Deed Document Number	2005543921
Prior Transfer Date	Oct 31, 2005
Prior Transfer Doc	0000543921
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	385 ELM ST, ELKO, NV 89801-2815
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 ELM ST, ELKO, NV 89801-2815

Mortgage

Document Number	0000817124
Date	Mar 14, 2023
Instrument	817124

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	310 Months
Due	Jan 1, 2049

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ELKO NV
Property Address	385 ELM ST, ELKO, NV 89801-2815
Document Number	0000751589
Instrument Date	Jan 23, 2019
Transaction Type	Mortgage
Record Updated	Feb 21, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	385 ELM ST ELKO NV 898012815, ELKO, NV 89801-2815

Mortgage

Document Number	0000751589
Date	Feb 15, 2019
Instrument	751589

Lender

Name	BANK OF AMERICA
Type	Bank
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2049

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2026 property tax bill for 385 Elm St was $1,565, up 27.7% 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	$1,565.00 (+27.65%)	$54,015 (+18.17%) Land $15,050 Building $38,965	$154,329 (+18.17%) Land $43,000 Building $111,329
2025	$1,226.00	$45,711 Land $15,050 Building $30,661	$130,603 Land $43,000 Building $87,603
2023	$1,085.00 (+3.04%)	$34,542 (+15.38%) Land $6,615 Building $27,927	$98,691 (+15.38%) Land $18,900 Building $79,791
2022	$1,053.00	$29,938 Land $6,615 Building $23,323	$85,537 Land $18,900 Building $66,637

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

FEMA maps place 385 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 385 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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