404 Elko Summit Dr, Elko, NV 89801 Property Records

Elko County property record for 404 Elko Summit Dr, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,868 sqft · built 2019
Lot Size	9.9 acres (431,244 sqft)
Owner	Company Name on Record
Last Sale	$89,500 (Apr 2018)
Tax Bill	$5,800 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`006-09K-056`

Property Details

APN / Parcel Number

Primary APN	`006-09K-056`
Alternative APN	`006-09K-010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,868 sqft Living Area
Gross Area	3,755 sqft
1st Floor Area	2,868 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	431,244 sqft
Garage Type	Attached
Garage Area	887 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	404 ELKO SUMMIT DR
City	ELKO
State	NV
Zip	89801-0905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SL
Legal Description	PARCEL 10A FILE 406830 BEING LOCATED IN,ELKO SUMMIT ESTATES UNIT 1 LOCOCATED IN,MDB&M,FORMERLY ASSESSED AS PART OF 006-09K-01
Legal Range	55E
Legal Township	34N
Legal Section	25
Legal Subdivision	ELKO SUMMIT ESTATES
Legal Block	2
Legal Lot Number	10A
Legal Unit	1
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2004
Census Tract	951202

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	Company Name on Record
Mailing Address	404 SUMMIT DR, ELKO, NV 89801
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage ELKO FEDERAL CREDIT UNION
Jun 22, 2023	Intrafamily Transfer, Transfer
Oct 20, 2020	Deed of Trust, Mortgage · Line of Credit UNITED STATES FCU
May 15, 2018	Deed of Trust, Mortgage · Commercial Mortgage ELKO FCU
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Apr 17, 2018	Bargain and Sale Deed, Transfer ELKO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2018 · Amount on Record
Deed Sale	Apr 17, 2018 · Amount on Record
Prior Sale	Aug 8, 2006 · Amount on Record
Deed Document Number	2018739459
Prior Transfer Date	Jun 20, 2005
Prior Transfer Doc	0000536700
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Recording Date	Jul 22, 2026
Property Address	404 ELKO SUMMIT DR, ELKO, NV 89801-0905
Document Number	0000867637
Instrument Date	Jul 14, 2026
Instrument	2026867637
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	404 ELKO SUMMIT DR, ELKO, NV 89801-0905

Mortgage

Document Number	0000867637,
Date	Jul 22, 2026
Instrument	2026867637

Lender

Name	ELKO FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 20, 2036

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Jun 22, 2023
Property Address	404 ELKO SUMMIT DR, ELKO, NV 89801-0905
Document Number	0000820881
Map Reference	MB 52 PG 475
Instrument Date	Jun 16, 2023
Instrument	820881
Transaction Type	Transfer
Record Updated	Aug 9, 2023

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	Family Trust
Address	404 SUMMIT DRIVE, ELKO, NV 89801

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	404 ELKO SUMMIT DR, ELKO, NV 89801-0905
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 ELKO SUMMIT DR, ELKO, NV 89801-0905

Mortgage

Document Number	0000775767
Date	Oct 20, 2020
Instrument	775767

Lender

Name	UNITED STATES FCU
Type	Credit Union
Address	ELKO, NV 89801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	404 ELKO SUMMIT DR, ELKO, NV 89801-0905
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000740678
Date	May 15, 2018
Instrument	740678

Lender

Name	ELKO FCU
Type	Credit Union
Address	ELKO, NV 89801

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate	8%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	404 ELKO SUMMIT DR, ELKO, NV 89801-0905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000761257
Date	Oct 30, 2019
Instrument	761257

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

April 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Apr 17, 2018
Property Address	404 ELKO SUMMIT DR, ELKO, NV 89801-0905
Document Number	0000739459
Map Reference	FILE406830
Instrument Date	Apr 13, 2018
Instrument	739459
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	RELIANT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7636 BROADWING DR, 7636, NORTH LAS VEGAS, NV 89084-2430

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2239 N HOLLOW DR, ELKO, NV 89801-4541

Mortgage

Document Number	0000739460
Date	Apr 17, 2018
Instrument	739460

Lender

Name	ELKO FCU
Type	Credit Union

Agreement

Amount	Amount Recorded

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	$5,800.00 (-3.45%)	$216,617 (-3.53%) Land $28,000 Building $188,617	$618,906 (-3.53%) Land $80,000 Building $538,906
2025	$6,007.00 (+12.85%)	$224,533 (+5.45%) Land $28,000 Building $196,533	$641,523 (+5.45%) Land $80,000 Building $561,523
2023	$5,323.00 (+8.02%)	$212,931 (+15.69%) Land $28,000 Building $184,931	$608,374 (+15.69%) Land $80,000 Building $528,374
2022	$4,928.00	$184,048 Land $28,000 Building $156,048	$525,851 Land $80,000 Building $445,851

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 23, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 99.8% of the US · above 98.3% of Nevada
Wildfire Likelihood	5% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CC Communications Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: Rise Broadband.

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