401 Ash St, Elko, NV 89801 Property Records

Elko County property record for 401 Ash St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 928 sqft · built 1945
Lot Size	0.057 acres (2,483 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Sep 2022)
Tax Bill	$609 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-059-008`

Property Details

APN / Parcel Number

Primary APN	`001-059-008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	928 sqft Living Area
Gross Area	1,204 sqft
1st Floor Area	928 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,483 sqft (0.057 acres)
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	401 ASH ST
City	ELKO
State	NV
Zip	89801-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	FIRST ADDITION FILE 5 S2 OF
Legal Subdivision	FIRST ADDITION
Legal Block	98
Legal Lot Number	13
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1012
Census Tract	950900

Owner

401 Ash St is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	401 ASH ST, ELKO, NV 89801-3217
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
Sep 23, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Sep 30, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST AMERICAN TITLE INSURANCE
Mar 31, 2021	Bargain and Sale Deed, Transfer · Stand-Alone First Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2022 · Amount on File
Deed Sale	Sep 23, 2022 · Amount on File
Prior Sale	Mar 31, 2021 · Amount on File
Deed Document Number	2022811070
Prior Transfer Date	Oct 11, 2005
Prior Transfer Doc	0000541895
Record Updated	Oct 29, 2026

September 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Sep 23, 2022
Property Address	401 ASH ST, ELKO, NV 89801-3217
Document Number	0000811070
Instrument Date	Sep 10, 2022
Instrument	811070
Transaction Type	Transfer
Record Updated	Dec 15, 2022
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO OF NV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	401 ASH ST, ELKO, NV 89801-3217

Mortgage

Document Number	0000811071
Date	Sep 23, 2022
Instrument	811071

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	401 ASH ST, ELKO, NV 89801-3217
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	STEWART TITLE ELKO, STEWAR TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000795397
Date	Sep 30, 2021
Instrument	795397

Lender

Name	FIRST AMERICAN TITLE INSURANCE
Type	Insurance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Mar 31, 2021
Property Address	401 ASH ST, ELKO, NV 89801-3217
Document Number	0000784873
Instrument Date	Mar 26, 2021
Instrument	784873
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	T

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2716 SUNNYSIDE AVE, ELKO, NV 89801-7938
Investor	Possibly a Property Investor

Mortgage

Document Number	0000784874
Date	Mar 31, 2021
Instrument	784874

Lender

Name	LENDINGHOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 401 Ash St was $609, up 5.5% 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	$609.00 (+5.55%)	$23,184 (+0.35%) Land $11,200 Building $11,984	$66,240 (+0.35%) Land $32,000 Building $34,240
2025	$577.00	$23,104 Land $11,200 Building $11,904	$66,011 Land $32,000 Building $34,011
2023	$478.00 (+7.9%)	$14,024 (+15.3%) Land $3,150 Building $10,874	$40,069 (+15.3%) Land $9,000 Building $31,069
2022	$443.00	$12,163 Land $3,150 Building $9,013	$34,751 Land $9,000 Building $25,751

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 401 Ash 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 401 Ash 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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