4649 Spear St, Elko, NV 89801 Property Records

Elko County property record for 4649 Spear St, Elko, NV 89801

Property Summary

Property Type	Mobile Home
Details	1,716 sqft · built 1993
Lot Size	2.26 acres (98,881 sqft)
Owner	Individual Name on File
Last Sale	$304,000 (Apr 2021)
Tax Bill	$1,743 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036-007-006`

Property Details

APN / Parcel Number

Primary APN	`036-007-006`

Interior

Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,716 sqft Living Area
1st Floor Area	1,716 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Mobile Home
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	98,881 sqft
Garage Area	1,300 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	236 sqft
Patio Area	720 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4649 SPEAR ST
City	ELKO
State	NV
Zip	89801-5188
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AR
Legal Description	MH CONV: 93 FLEETWOOD 66X26 #IDFLP04AB16041CW
Legal Range	56E
Legal Township	35N
Legal Section	19
Legal Subdivision	MEADOW VALLEY RANCHOS 4
Legal Block	7
Legal Lot Number	6
Legal Unit	4
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2009
Census Tract	950702

Owner

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	Individual Name on File
Mailing Address	4649 SPEAR ST, ELKO, NV 89801-5188
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Deed of Trust, Mortgage · FHA Mortgage ACADEMY MORTGAGE CORP
Jan 29, 2020	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC
Apr 19, 2021	Bargain and Sale Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
Jan 11, 2019	Bargain and Sale Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2021 · Amount on File
Deed Sale	Apr 19, 2021 · Amount on File
Prior Sale	Jan 11, 2019 · Amount on File
Deed Document Number	2021785696
Prior Transfer Date	Jun 13, 2006
Prior Transfer Doc	0000554986
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	4649 SPEAR ST, ELKO, NV 89801-5188
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000792339
Date	Aug 4, 2021
Instrument	792339

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	4649 SPEAR ST, ELKO, NV 89801-5188
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	WFG NATIONAL TITLE CO OF NV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000764735
Date	Jan 29, 2020
Instrument	764735

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

April 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Apr 19, 2021
Property Address	4649 SPEAR ST, ELKO, NV 89801-5188
Document Number	0000785696
Map Reference	FILE 11260
Instrument Date	Apr 15, 2021
Instrument	785696
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,185.60
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4649 SPEAR ST, 4649, ELKO, NV 89801-5188

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4649 SPEAR ST, ELKO, NV 89801-5188

Mortgage

Document Number	0000785697
Date	Apr 19, 2021
Instrument	785697

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Mortgage

Document Number	0000785698
Date	Apr 19, 2021
Instrument	785698

Lender

Name	NEVADA RURAL HOUSING AUTHORITY
Type	Non-Lending Institution
Address	CARSON CITY, NV 89701

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jan 11, 2019
Property Address	4649 SPEAR ST, ELKO, NV 89801-5188
Document Number	0000750421
Map Reference	FILE 11260
Instrument Date	Oct 29, 2018
Instrument	750421
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	RELIANT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$936.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 281214, LAMOILLE, NV 89828-1214

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4649 SPEAR ST, ELKO, NV 89801-5188

Mortgage

Document Number	0000750422
Date	Jan 11, 2019
Instrument	750422

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Nevada
County	Elko County
Unified School District	Elko County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,743.00 (+3.08%)	$71,054 (-1.62%) Land $3,500 Building $67,554	$203,011 (-1.62%) Land $10,000 Building $193,011
2025	$1,691.00 (+20.1%)	$72,227 (+7.99%) Land $3,500 Building $68,727	$206,363 (+7.99%) Land $10,000 Building $196,363
2023	$1,408.00 (+3%)	$66,885 (+12.7%) Land $3,500 Building $63,385	$191,100 (+12.7%) Land $10,000 Building $181,100
2022	$1,367.00	$59,346 Land $3,500 Building $55,846	$169,560 Land $10,000 Building $159,560

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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

Wildfire Risk	High above 83% of the US · above 61% of Nevada
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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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