477 Ash St, Elko, NV 89801 Property Records

Elko County property record for 477 Ash St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,554 sqft · built 1960
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Jul 2022)
Tax Bill	$1,046 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-059-005`

Property Details

APN / Parcel Number

Primary APN	`001-059-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,554 sqft Living Area

Exterior

Year Built	Built 1960
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,009 sqft (0.114 acres)
Fence	Fence
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	477 ASH ST
City	ELKO
State	NV
Zip	89801-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZRB
Legal Description	FIRST ADDITION FILE 5
Legal Subdivision	FIRST ADDITION
Legal Block	98
Legal Lot Number	21,22 22
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1012
Census Tract	950900

Owner

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

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	477 ASH ST, ELKO, NV 89801-3217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · FHA Mortgage PLAZA HOME MORTGAGE INC
Jul 13, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage CITYWIDE HOME LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 13, 2022 · Amount on Record
Deed Sale	Jul 13, 2022 · Amount on Record
Prior Sale	Mar 23, 2016
Deed Document Number	808078
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	477 ASH ST, ELKO, NV 89801-3217
Transaction Type	Mortgage
Record Updated	Mar 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	477 ASH ST, ELKO, NV 89801-3217

Mortgage

Document Number	0000861294
Date	Feb 25, 2026
Instrument	861294

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	5.87%
Index	1-Year CMT
Margin	2

July 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jul 13, 2022
Property Address	477 ASH ST, ELKO, NV 89801-3217
Document Number	0000808078
Instrument Date	Jul 12, 2022
Instrument	808078
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$877.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	477 ASH ST, ELKO, NV 89801-3217

Mortgage

Document Number	0000808079
Date	Jul 13, 2022
Instrument	808079

Lender

Name	CITYWIDE HOME LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

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	$1,046.00 (+21.06%)	$36,616 (+39.1%) Land $15,050 Building $21,566	$104,617 (+39.1%) Land $43,000 Building $61,617
2023	$864.00 (+16.13%)	$26,323 (+14.86%) Land $6,615 Building $19,708	$75,209 (+14.86%) Land $18,900 Building $56,309
2022	$744.00	$22,917 Land $6,615 Building $16,302	$65,477 Land $18,900 Building $46,577

Assessed value is set for property tax purposes, not a market price estimate; it is 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	Low lower than 80% of the US · lower than 91% of Nevada
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 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 West Holding Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
White Cloud Networks Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Churchill County, State of Nevada, JAB Wireless.

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