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

Elko County property record for 440 S 4th St, Elko, NV 89801

Property Summary

Property TypeMobile Home
Details154 sqft · built 2008
Lot Size0.115 acres (5,009 sqft)
Owner2 Individual Names on File
Last Sale$148,000 (Mar 2020)
Tax Bill$559 (2026)
Deeds & MortgagesMar 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN001-421-008

Property Details

APN / Parcel Number

Primary APN001-421-008
Alternative APN
  • 001-421-001

Interior

Building Area154 sqft Living Area

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Architectural StyleMobile Home
Lot Area5,009 sqft (0.115 acres)
PorchCovered Porch

Location & Zoning

Street Address440 S 4TH ST
CityELKO
StateNV
Zip89801-4109
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeZGI
Legal DescriptionBIEGLER ADDITION FILE 76454 LOT 4 BLK I .115A FORMERLY A PORTION OF PARCEL # 001-421-001 NO HARD COPY RECORDS, AUTOMATED RECO
Legal SubdivisionBIEGLER ADDITION
Legal BlockI
Legal Lot Number4
JurisdictionELKO NV
Township / Civil DivisionELKO
Census Block Group3
Census Block3002
Census Tract951202

Owner

440 S 4th St, a mobile home, is owned by two individuals who bought it in March 2020.

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

Owner of Record2 Individual Names on File
Mailing Address2073 EAGLE RIDGE LOOP, ELKO, NV 89801-2490
Owner TypeIndividual
VestingJoint 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 Names2 Names on Deed
Last SaleMar 25, 2020 · Amount on File
Deed SaleMar 25, 2020 · Amount on File
Deed Document Number2020766775
Record UpdatedOct 29, 2026

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionELKO NV
Recording DateMar 25, 2020
Property Address440 S 4TH ST, ELKO, NV 89801-4109
Document Number0000766775
Instrument DateMar 12, 2020
Instrument766775
Transaction TypeTransfer
Record UpdatedMay 29, 2020
Title CompanyWFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$577.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address849 DRY CREEK TRL ELKO NV 898011216, ELKO, NV 89801-1216

Mortgage

Document Number766777
DateMar 25, 2020
Instrument766777
Lender
NameCHARLOTTE E SCHNEIDER
Address648 BULLION RD, ELKO, NV 89801-4123
Special NotesSeller Financed
Agreement
TypeConventional with PMI
AmountAmount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 440 S 4th St was $559, up 14.5% from the year before.

Source: Elko County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateNevada
CountyElko County
MunicipalityElko City
Unified School DistrictElko County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$559.00 (+14.55%)$21,832 (+6.58%) Land $12,950 Building $8,882$62,377 (+6.58%) Land $37,000 Building $25,377
2025$488.00$20,484 Land $12,950 Building $7,534$58,526 Land $37,000 Building $21,526
2023$443.00 (+3.02%)$12,615 (+7.76%) Land $5,530 Building $7,085$36,043 (+7.76%) Land $15,800 Building $20,243
2022$430.00$11,707 Land $5,530 Building $6,177$33,449 Land $15,800 Building $17,649

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 440 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Nearby Flood Policies3 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 440 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 RiskVery High
above 90% of the US · above 75% of Nevada
Wildfire Likelihood1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF ELKO
serves 23,000 people · EPA ID NV0000272
Water SourceGroundwater
Last State InspectionSep 2024
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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