409 Elm St, Elko, NV 89801 Property Records

Elko County property record for 409 Elm St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,364 sqft · built 1977
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$249,000 (Oct 2017)
Tax Bill	$1,655 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-053-013`

Property Details

APN / Parcel Number

Primary APN	`001-053-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,364 sqft Living Area
Gross Area	3,468 sqft
1st Floor Area	2,364 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,009 sqft (0.115 acres)
Garage Type	Attached
Garage Area	1,104 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 ELM ST
City	ELKO
State	NV
Zip	89801-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	FIRST ADDITION FILE 5
Legal Subdivision	FIRST ADDITION
Legal Block	118
Legal Lot Number	13,14
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1008
Census Tract	950900

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	409 ELM ST, ELKO, NV 89801-2817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage GREATER NEVADA LLC
Oct 2, 2017	Bargain and Sale Deed, Transfer · Conventional Mortgage MANN MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2017 · Amount on Record
Deed Sale	Oct 2, 2017 · Amount on Record
Deed Document Number	2017731178
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	409 ELM ST, ELKO, NV 89801-2817
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	SOLIDIFI TITLE AGENCY LIMITED, SOLIDIFI TITLE AGENCY LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000785880
Date	Apr 22, 2021
Instrument	785880

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	409 ELM ST, ELKO, NV 89801-2817
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000761146
Date	Oct 28, 2019
Instrument	761146

Lender

Name	GREATER NEVADA LLC
Type	Non-Lending Institution
Address	CARSON CITY, NV 89701

Agreement

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

October 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Oct 2, 2017
Property Address	409 ELM ST, ELKO, NV 89801-2817
Document Number	0000731178
Instrument Date	Sep 28, 2017
Instrument	731178
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 ELM ST, ELKO, NV 89801-2817

Mortgage

Document Number	0000731179
Date	Oct 2, 2017
Instrument	731179

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$1,655.00 (+16.96%)	$46,826 (+7.33%) Land $15,050 Building $31,777	$133,789 (+7.33%) Land $43,000 Building $90,791
2025	$1,415.00 (+13.2%)	$43,628 (+23.15%) Land $15,050 Building $28,578	$124,651 (+23.14%) Land $43,000 Building $81,651
2023	$1,250.00 (+7.94%)	$35,428 (+12.13%) Land $6,615 Building $28,813	$101,223 (+12.13%) Land $18,900 Building $82,323
2022	$1,158.00	$31,595 Land $6,615 Building $24,980	$90,271 Land $18,900 Building $71,371

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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