392 Willow St, Elko, NV 89801 Property Records

Elko County property record for 392 Willow St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,609 sqft · built 1964
Lot Size	0.161 acres (7,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,000 (Jun 2026)
Tax Bill	$1,019 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`001-012-011`

Property Details

APN / Parcel Number

Primary APN	`001-012-011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,609 sqft Living Area
Gross Area	1,873 sqft
1st Floor Area	1,609 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,013 sqft (0.161 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Evaporative

Location & Zoning

Street Address	392 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	11
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	2 Individual Names on Record
Mailing Address	392 WILLOW ST, ELKO, NV 89801-2854
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Apr 5, 2021	Grant Deed, Transfer WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Jul 12, 2007 · Amount on Record
Deed Document Number	2026865736
Prior Transfer Date	Jan 14, 2017
Prior Transfer Doc	0000720932
Record Updated	Oct 29, 2026

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jun 9, 2026
Property Address	392 WILLOW ST, ELKO, NV 89801-2854
Document Number	0000865736
Instrument Date	Jun 5, 2026
Instrument	2026865736
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145,349.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	392 WILLOW ST, ELKO, NV 89801-2854

Mortgage

Document Number	0000865736,
Date	Jun 9, 2026
Instrument	2026865736

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELKO NV
Recording Date	Apr 5, 2021
Property Address	392 WILLOW ST, ELKO, NV 89801-2854
Document Number	0000785060
Instrument Date	Mar 11, 2021
Instrument	785060
Transaction Type	Transfer
Record Updated	Apr 20, 2021
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transaction

Amount	Amount Recorded
Tax	$166.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	392 WILLOW ST ELKO NV 898012854, ELKO, NV 89801-2854

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	$1,019.00 (+6.7%)	$43,492 (+2.71%) Land $19,950 Building $23,542	$124,263 (+2.71%) Land $57,000 Building $67,263
2025	$955.00 (+2.91%)	$42,346 (+56.07%) Land $19,950 Building $22,397	$120,989 (+56.07%) Land $57,000 Building $63,991
2024	$928.00 (+9.82%)
2023	$845.00 (+3.05%)	$27,132 (+14.99%) Land $6,615 Building $20,517	$77,520 (+14.99%) Land $18,900 Building $58,620
2022	$820.00	$23,595 Land $6,615 Building $16,980	$67,414 Land $18,900 Building $48,514

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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