Elko County property record for 446 W Silver St, Elko, NV 89801
| Property Type | Single Family Home |
|---|---|
| Details | 1,512 sqft · built 1973 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Jul 2017) |
| Tax Bill | $479 (2026) |
| Deeds & Mortgages | Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-003-004 |
| Primary APN | 073-003-004 |
|---|
| Building Area | 1,512 sqft Living Area |
|---|
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Lot Area | 43,996 sqft |
| Garage Type | Detached |
| Garage Area | 1,512 sqft |
| Parking Spaces | 5 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Street Address | 446 W SILVER ST |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | WILDHORSE ESTATES FILE 40078,LOCATED IN,MDB&M |
| Legal Range | 55E |
| Legal Township | 43N |
| Legal Section | 08 |
| Legal Subdivision | WILDHORSE ESTATES |
| Legal Block | C |
| Legal Lot Number | 4 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | MOUNTAIN CITY |
| Census Block Group | 2 |
| Census Block | 2302 |
| Census Tract | 951700 |
446 W Silver St is owned by two individuals who bought it in July 2017.
Source: Elko County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 100 20TH ST, BATTLE MOUNTAIN, NV 89820-3310 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2017 · Amount on File |
| Deed Sale | Jul 7, 2017 · Amount on File |
| Prior Sale | Aug 10, 2007 · Amount on File |
| Deed Document Number | 2017727857 |
| Prior Transfer Date | Jun 12, 2014 |
| Prior Transfer Doc | 0000687291 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jul 7, 2017 |
| Property Address | 446 W SILVER ST, ELKO, NV 89801 |
| Document Number | 0000727857 |
| Instrument Date | Jul 7, 2017 |
| Instrument | 727857 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $702.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Document Number | 727858 |
|---|---|
| Date | Jul 7, 2017 |
| Instrument | 727858 |
| Name | LLOYD W & LENA J AYERS |
|---|---|
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 6, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
The 2026 property tax bill for 446 W Silver St was $479, down 0.4% from the year before.
Source: Elko County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Unified School District | Elko County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $479.00 (-0.42%) | $18,357 (-0.41%) Land $2,280 Building $16,077 | $52,449 (-0.41%) Land $6,514 Building $45,934 |
| 2025 | $481.00 | $18,432 Land $2,280 Building $16,152 | $52,663 Land $6,514 Building $46,149 |
| 2023 | $447.00 (+7.97%) | $17,913 (+12.87%) Land $2,280 Building $15,633 | $51,180 (+12.87%) Land $6,514 Building $44,666 |
| 2022 | $414.00 | $15,871 Land $2,280 Building $13,591 | $45,345 Land $6,514 Building $38,831 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 446 W Silver St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1984.
Source: FEMA National Flood Hazard Layer, effective May 23, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 2 (1984) |
| Most Recent Claim | May 1984 · rainfall accumulation |
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 risk around 446 W Silver St is high, ranking above 81% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 81% of the US · above 59% of Nevada |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Nehalem Telecom DSL | 100 / 20 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures