420 S 4th St, Elko, NV 89801 Property Records

Elko County property record for 420 S 4th St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3,528 sqft · built 1991
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Dec 2023)
Tax Bill	$2,056 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`001-421-006`

Property Details

APN / Parcel Number

Primary APN	`001-421-006`
Alternative APN	`001-421-001`

Interior

Units	2 Units
Stories	1 Story
Building Area	3,528 sqft Living Area
1st Floor Area	3,528 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Deck Area	64 sqft

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Street Address	420 S 4TH ST
City	ELKO
State	NV
Zip	89801-4109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZGI
Legal Description	BIEGLER ADDITION FILE 76454,FORMERLY A PORTION OF PARCEL # 001-421-001,NO HARD COPY RECORDS, AUTOMATED RECORDS ONLY
Legal Subdivision	BIEGLER ADDITION
Legal Block	I
Legal Lot Number	1,2
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	3
Census Block	3002
Census Tract	951202

Owner

420 S 4th St is owned by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2073 EAGLE RIDGE LOOP, ELKO, NV 89801-2490
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2023 · Amount on File
Deed Sale	Dec 13, 2023 · Amount on File
Deed Document Number	2023830835
Record Updated	Oct 29, 2026

December 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Dec 13, 2023
Property Address	420 S 4TH ST, ELKO, NV 89801-4109
Document Number	0000830835
Instrument Date	Dec 8, 2023
Instrument	830835
Transaction Type	Transfer
Record Updated	Nov 7, 2025
Title Company	UNKNOWN, WFG NEVADA RW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.50
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	2073 EAGLE RIDGE LOOP, ELKO, NV 89801-2490

Mortgage

Document Number	0000830836
Date	Dec 13, 2023
Instrument	830836

Lender

Name	CHARLOTTE SCHNEIDER
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 420 S 4th St was $2,056, up 4.9% 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	$2,056.00 (+4.9%)	$56,486 (+5.52%) Land $16,832 Building $39,654	$161,389 (+5.52%) Land $48,091 Building $113,297
2025	$1,960.00	$53,533 Land $12,250 Building $41,283	$152,951 Land $35,000 Building $117,951
2023	$1,805.00 (+8.02%)	$50,498 (+10.68%) Land $12,250 Building $38,248	$144,280 (+10.68%) Land $35,000 Building $109,280
2022	$1,671.00	$45,625 Land $12,250 Building $33,375	$130,357 Land $35,000 Building $95,357

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 420 S 4th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 420 S 4th St is very high, ranking above 90% of the US, with a 1% annual chance of 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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