404 S 5th St, Elko, NV 89801 Property Records

Elko County property record for 404 S 5th St, Elko, NV 89801

Property Summary

Property Type	Casino
Lot Size	0.653 acres (28,445 sqft)
Owner	Company Name on Record
Last Sale	$107,500 (May 2018)
Tax Bill	$34,356 (2025)
Deeds & Mortgages	May 2018 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`001-422-002`

Property Details

APN / Parcel Number

Primary APN	`001-422-002`

Exterior

Lot Area	28,445 sqft (0.653 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	404 S 5TH ST
City	ELKO
State	NV
Zip	89801-4271
Property Category	Commercial
Property Type	Commercial > Retail > Casino
Local Zoning Code	ZC
Legal Description	BIEGLER ADDITION FILE 76454,LESS 1463.00SF M/L TO NV STATE HWY DEPT PER,(306/595) DESC AS FOLLOWS:,BEG AT A PT ON THE RIGHT O
Legal Range	55E
Legal Section	14
Legal Subdivision	BIEGLER ADDITION
Legal Block	H
Legal Lot Number	1-4 2
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	3
Census Block	3000
Census Tract	951202

Owner

Source: Elko County records, as of November 6, 2025

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	PO BOX 683, ELKO, NV 89803-0683
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 16, 2018	Deed of Trust, Mortgage GARY F & ALEXANDRIA S HIGGINS
May 16, 2018	Grant Deed, Transfer · Conventional with PMI GARY F HIGGINS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Deed Document Number	740744
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	404 S 5TH ST, ELKO, NV 89801-4271
Document Number	0000743307
Instrument Date	May 16, 2018
Transaction Type	Mortgage
Record Updated	Jul 25, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 683 ELKO NV 898030683, ELKO, NV 89803-0683

Mortgage

Document Number	0000743307
Date	Jul 16, 2018
Instrument	743307

Lender

Name	GARY F & ALEXANDRIA S HIGGINS
Address	1062 4TH ST, ELKO, NV 89801-3116

Agreement

Amount	Amount Recorded

Interest

Rate	10%

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELKO NV
Recording Date	May 16, 2018
Property Address	404 S 5TH ST, ELKO, NV 89801-4271
Document Number	0000740744
Instrument Date	May 15, 2018
Instrument	740744
Transaction Type	Transfer
Record Updated	Jun 26, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$419.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 683 ELKO NV 898030683, ELKO, NV 89803-0683

Mortgage

Document Number	740745
Date	May 16, 2018
Instrument	740745

Lender

Name	GARY F HIGGINS
Address	1062 4TH ST, ELKO, NV 89801-3116
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Interest

Rate	10%

Tax Assessment & Valuation

Source: Elko County assessment roll, as of January 1, 2025

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
2025	$34,356.00 (+3,037.53%)	$938,676 (+3,040.86%) Land $29,886 Building $908,790	$2,681,932 (+3,040.84%) Land $85,389 Building $2,596,543
2023	$1,095.00	$29,886 (-) Land $29,886	$85,389 (-) Land $85,389
2022	$1,095.00	$29,886 Land $29,886	$85,389 Land $85,389

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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	Very High above 90% of the US · above 75% of Nevada
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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 341 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 · Fiber in parts of the area	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: CC Communications Broadband, Rise Broadband.

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