445 S 7th St, Elko, NV 89801 Property Records

Elko County property record for 445 S 7th St, Elko, NV 89801

Property Summary

Property Type	Apartment House (2-4 Units)
Details	5,904 sqft · built 1976
Lot Size	0.344 acres (14,985 sqft)
Owner	Company Name on Record
Tax Bill	$3,430 (2025)
Deeds & Mortgages	Mar 2019 Transfer Sep 2017 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`001-431-019`

Property Details

APN / Parcel Number

Primary APN	`001-431-019`

Interior

Units	14 Units
Stories	2 Stories
Building Area	5,904 sqft Living Area
Gross Area	8,856 sqft
Basement Area	3,608 sqft

Exterior

Year Built	Built 1976
Lot Area	14,985 sqft (0.344 acres)

Exterior Amenities

Deck Area	738 sqft
Patio Area	738 sqft
Balcony	Balcony
Balcony Area	738 sqft
Fence	Fence

Utilities, Heating & Cooling

Heating System	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	445 S 7TH ST
City	ELKO
State	NV
Zip	89801-4279
Property Category	Commercial
Property Type	Residential > Multi-Unit > Apartment House (2-4 Units)
Local Zoning Code	ZR-SA
Legal Description	ELLISON APARTMENTS
Legal Subdivision	RIVERSIDE ADDITION
Legal Block	D
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2070
Census Tract	951300

Owner

Source: Elko County records, as of November 6, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	438 ELBURZ RD UNIT 10, 10, ELKO, NV 89801-9409
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 27, 2017	Deed of Trust, Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Sep 14, 2017
Last Transfer Date	Mar 27, 2019
Transfer Doc	0000752830
Record Updated	Jun 8, 2026

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	Mar 27, 2019
Property Address	445 S 7TH ST, ELKO, NV 89801-4279
Document Number	0000752830
Instrument Date	Mar 21, 2019
Instrument	752830
Transaction Type	Transfer
Record Updated	Apr 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	438 ELBURZ RD #10 ELKO NV 898019409, 10, ELKO, NV 89801-9409

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	Sep 14, 2017
Property Address	445 S 7TH ST, ELKO, NV 89801-4279
Document Number	0000730557
Instrument Date	Sep 13, 2017
Instrument	730557
Transaction Type	Transfer
Record Updated	Sep 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	438 ELBURZ RD #10 ELKO NV 898019409, 10, ELKO, NV 89801-9409

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	445 S 7TH ST, ELKO, NV 89801-4279
Document Number	0000728591
Instrument Date	Jun 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	438 ELBURZ RD #10 ELKO NV 898019409, 10, ELKO, NV 89801-9409

Mortgage

Document Number	0000728591
Date	Jul 27, 2017
Instrument	728591

Lender

Name	US SMALL BUSN ADMN
Address	EL PASO, TX 79935

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2047

Tax Assessment & Valuation

Source: Elko County assessment roll, as of January 1, 2025

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
2025	$3,430.00 (+12.46%)	$93,697 (+5.17%) Land $21,613 Building $72,084	$267,705 (+5.17%) Land $61,751 Building $205,954
2023	$3,050.00 (+5.61%)	$89,089 (+12.96%) Land $18,375 Building $70,714	$254,540 (+12.96%) Land $52,500 Building $202,040
2022	$2,888.00	$78,868 Land $18,375 Building $60,493	$225,337 Land $52,500 Building $172,837

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	9 (1995–2017)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 87% of the US · above 69% of Nevada
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 513 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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