432 Cedar St, Elko, NV 89801 Property Records

Elko County property record for 432 Cedar St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,628 sqft · built 1922
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Company Names on Record
Last Sale	$315,000 (Aug 2023)
Tax Bill	$1,402 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-172-010`

Property Details

APN / Parcel Number

Primary APN	`001-172-010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,628 sqft Living Area
Gross Area	2,468 sqft
1st Floor Area	1,628 sqft
Basement Area	840 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	432 CEDAR ST
City	CARLIN
State	NV
Zip	89822
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	65
Legal Lot Number	7-9
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1002
Census Tract	951000

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	2 Company Names on Record
Mailing Address	124 LORI LN, ELKO, NV 89801-0907
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Dec 22, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2023 · Amount on Record
Deed Sale	Aug 9, 2023 · Amount on Record
Prior Sale	Jul 18, 2016 · Amount on Record
Deed Document Number	2023823622
Prior Transfer Date	Dec 17, 2021
Prior Transfer Doc	0000799341
Record Updated	Oct 29, 2026

August 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Aug 9, 2023
Property Address	432 CEDAR ST, ELKO, NV 89801-3224
Document Number	0000823622
Map Reference	FILE 5A/5
Instrument Date	Aug 3, 2023
Instrument	823622
Transaction Type	Transfer
Record Updated	Nov 7, 2025
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,228.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 HONEY LN, SHERIDAN, MT 59749-9655

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	124 LORI LN, ELKO, NV 89801-0907

Mortgage

Document Number	0000823623
Date	Aug 9, 2023
Instrument	823623

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Dec 22, 2021
Property Address	432 CEDAR ST, ELKO, NV 89801-3224
Document Number	0000799341
Map Reference	FILE 5A75
Instrument Date	Dec 17, 2021
Instrument	799341
Transaction Type	Transfer
Record Updated	Nov 7, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE CO

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	Irrevocable Living Trust
Address	432 CEDAR ST, ELKO, NV 89801-3224
Investor	Possibly a Property Investor

Mortgage

Document Number	0000799342
Date	Dec 22, 2021
Instrument	799342

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	$1,402.00 (+5.41%)	$48,258 (+0.44%) Land $19,950 Building $28,308	$137,880 (+0.44%) Land $57,000 Building $80,880
2025	$1,330.00 (+21.35%)	$48,048 (+37.47%) Land $19,950 Building $28,098	$137,280 (+37.47%) Land $57,000 Building $80,280
2023	$1,096.00 (+3.01%)	$34,951 (+14.53%) Land $9,190 Building $25,761	$99,860 (+14.53%) Land $26,257 Building $73,603
2022	$1,064.00	$30,516 Land $9,190 Building $21,326	$87,188 Land $26,257 Building $60,931

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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