Elko County property record for 4559 Spear St, Elko, NV 89801
| Property Type | Mobile Home |
|---|---|
| Details | 2,280 sqft · built 2008 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,044 (2026) |
| Deeds & Mortgages | Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-006-008 |
| Primary APN | 036-006-008 |
|---|
| Plumbing Fixtures | 10 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 2,280 sqft Living Area |
| Gross Area | 3,360 sqft |
| 1st Floor Area | 2,280 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Mobile Home |
| Roof Material | Composition Shingle |
| Lot Area | 44,867 sqft |
| Garage Type | Attached |
| Garage Area | 1,080 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 4559 SPEAR ST |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801-5440 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | MULT |
| Legal Description | MEADOW VALLEY RANCHOS UNIT NO 4 FILE 11260 W2 OF LOCATED IN THE NE4NW4 OF MDB&M |
| Legal Range | 56E |
| Legal Township | 35N |
| Legal Section | 19 |
| Legal Subdivision | MEADOW VALLEY RANCHOS 4 |
| Legal Block | 6 |
| Legal Lot Number | 8W2 |
| Legal Unit | 4 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 2 |
| Census Block | 2071 |
| Census Tract | 950702 |
4559 Spear St, a mobile home, is owned and occupied by two individuals.
Source: Elko County records, as of September 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4559 SPEAR ST, ELKO, NV 89801-5440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 4559 SPEAR ST, ELKO, NV 89801-5440 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000761208 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 761208 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2034 |
The 2026 property tax bill for 4559 Spear St was $2,044, down 0.7% 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 | $2,044.00 (-0.73%) | $76,299 (-0.78%) Land $1,750 Building $74,549 | $217,997 (-0.78%) Land $5,000 Building $212,997 |
| 2025 | $2,059.00 | $76,896 Land $1,750 Building $75,146 | $219,703 Land $5,000 Building $214,703 |
| 2023 | $1,781.00 (+8%) | $68,344 (+11.05%) Land $1,750 Building $66,594 | $195,269 (+11.05%) Land $5,000 Building $190,269 |
| 2022 | $1,649.00 | $61,541 Land $1,750 Building $59,791 | $175,831 Land $5,000 Building $170,831 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4559 Spear St in Zone X, an area of minimal flood risk.
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 risk around 4559 Spear St is very high, ranking above 91% of the US, with a 0.8% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 91% of the US · above 76% of Nevada |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | Direct burnable vegetation |
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.
Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Anthem Broadband of Nevada Fiber | 2,000 / 2,000 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: White Cloud Communications.
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