Elko County property record for 461 Oak St, Elko, NV 89801
| Property Type | Recreational Vacant Land |
|---|---|
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $271 (2026) |
| Deeds & Mortgages | Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-172-006 |
| Primary APN | 001-172-006 |
|---|
| Lot Area | 5,009 sqft (0.115 acres) |
|---|
| Street Address | 461 OAK ST |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801-3546 |
| Property Category | Public Works |
| Property Type | Public Works > Recreational Vacant Land |
| Local Zoning Code | ZR |
| Legal Description | FIRST ADDITION FILE 5 |
| Legal Subdivision | FIRST ADDITION |
| Legal Block | 65 |
| Legal Lot Number | 19,20 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 951000 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2000 RUBY VIEW DR, ELKO, NV 89801-2649 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 461 OAK ST, ELKO, NV 89801-3546 |
| Document Number | 0000730418 |
| Instrument Date | Sep 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2017 |
| Title Company | STEWART TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 0000730418 |
|---|---|
| Date | Sep 11, 2017 |
| Instrument | 730418 |
| Name | MICHAEL R & TRACEY L ZERGA |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 8.5% |
|---|
Source: Elko County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Municipality | Elko City |
| Unified School District | Elko County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $271.00 (+5.45%) | $15,050 (-) Land $15,050 | $43,000 (-) Land $43,000 |
| 2025 | $257.00 (+5.33%) | $15,050 (+127.51%) Land $15,050 | $43,000 (+127.51%) Land $43,000 |
| 2023 | $244.00 | $6,615 (-) Land $6,615 | $18,900 (-) Land $18,900 |
| 2022 | $244.00 | $6,615 Land $6,615 | $18,900 Land $18,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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