4197 Adobe Ranchos Dr, Elko, NV 89801 Property Records

Elko County property record for 4197 Adobe Ranchos Dr, Elko, NV 89801

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 168 sqft · built 2007
Lot Size	40 acres (1,743,271 sqft)
Owner	Individual Name on Record
Last Sale	$452,000 (Sep 2025)
Tax Bill	$2,261 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`005-52C-012`

Property Details

APN / Parcel Number

Primary APN	`005-52C-012`
Alternative APN	`005-520-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Mobile Home
Lot Area	1,743,271 sqft

Exterior Amenities

Porch	Covered Porch
Deck Area	300 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4197 ADOBE RANCHOS DR
City	ELKO
State	NV
Zip	89801
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OS
Legal Description	2007 KIT 60X24 SER. #207KID1779AB
Legal Range	54E
Legal Township	35N
Legal Section	11
Legal Subdivision	ADOBE RANCHOS
Legal Block	B
Legal Lot Number	3
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	3
Census Block	3011
Census Tract	950702

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	Individual Name on Record
Mailing Address	4197 ADOBE RANCHOS DR, ELKO, NV 89801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage ELKO FCU
Sep 12, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Aug 14, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage GREATER NEVADA LLC
May 20, 2020	Bargain and Sale Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Aug 14, 2023 · Amount on Record
Deed Document Number	2025854614
Prior Transfer Date	Oct 19, 2015
Prior Transfer Doc	0000703762
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	4197 ADOBE RANCHOS DR, ELKO, NV 89801
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000834122
Date	Feb 29, 2024
Instrument	834122

Lender

Name	ELKO FCU
Type	Credit Union
Address	ELKO, NV 89801

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 22, 2039

September 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Sep 12, 2025
Property Address	4197 ADOBE RANCHOS DR, ELKO, NV 89801
Document Number	0000854614
Map Reference	FILE 360883
Instrument Date	Sep 9, 2025
Instrument	854614
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,762.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4197 ADOBE RANCHOS DR, ELKO, NV 89801

Mortgage

Document Number	0000854615
Date	Sep 12, 2025
Instrument	854615

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

August 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Aug 14, 2023
Property Address	4197 ADOBE RANCHOS DR, ELKO, NV 89801
Document Number	0000823744
Map Reference	FILE 360883
Instrument Date	Aug 8, 2023
Instrument	823744
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	NOT AVAILABLE, WFG NEVADA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,248.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	HC 64 BOX 5, DEETH, NV 89823-9701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4197 ADOBE RANCHOS DR, ELKO, NV 89801

Mortgage

Document Number	0000823745
Date	Aug 14, 2023
Instrument	823745

Lender

Name	GREATER NEVADA LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2028
Change Frequency	5 Years
Min Rate At Change	4%
Max Rate At Change	8%
Index	5-Year CMT
Margin	2
Max Rate	11%

May 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	May 20, 2020
Property Address	4197 ADOBE RANCHOS DR, ELKO, NV 89801
Document Number	0000768753
Map Reference	FILE 360883
Instrument Date	May 19, 2020
Instrument	768753
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	WFG NATIONAL TITLE CO OF NV

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$815.10
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 with Right of Survivorship
Address	HC 64 BOX 5, DEETH, NV 89823-9701

Mortgage

Document Number	0000768755
Date	May 20, 2020
Instrument	768755

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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	$2,261.00 (-0.62%)	$86,553 (-0.61%) Land $13,650 Building $72,903	$247,294 (-0.61%) Land $39,000 Building $208,294
2025	$2,275.00 (+42.1%)	$87,086 (+194.52%) Land $13,650 Building $73,436	$248,817 (+194.52%) Land $39,000 Building $209,817
2023	$1,601.00 (+103.43%)	$29,569 (+8.24%) Land $13,650 Building $15,919	$84,483 (+8.24%) Land $39,000 Building $45,483
2022		$27,318 Land $13,650 Building $13,668	$78,051 Land $39,000 Building $39,051
2020	$787.00

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	High above 88% of the US · above 71% of Nevada
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Hot Spot Broadband Fixed Wireless	100 / 50
Nehalem Telecom DSL	100 / 20

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