520 12th St, Elko, NV 89801 Property Records

Elko County property record for 520 12th St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,107 sqft · built 1963
Lot Size	0.138 acres (6,011 sqft)
Owner	Individual Name on Record
Last Sale	$359,000 (Sep 2025)
Tax Bill	$1,136 (2026)
Deeds & Mortgages	Sep 2025 Sale & Second Mortgage
Flood Zone	Zone X (moderate risk)
APN	`001-251-009`

Property Details

APN / Parcel Number

Primary APN	`001-251-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,107 sqft Living Area
Gross Area	2,214 sqft
1st Floor Area	1,107 sqft
Basement Area	1,107 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	6,011 sqft (0.138 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 12TH ST
City	ELKO
State	NV
Zip	89801-3405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	SMITHS ADDITION FILE 43255
Legal Subdivision	SMITHS ADDITION
Legal Block	2
Legal Lot Number	29,30
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2009
Census Tract	950800

Owner

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	520 12TH ST, ELKO, NV 89801-3405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2025 · Amount on Record
Deed Sale	Sep 15, 2025 · Amount on Record
Prior Sale	Sep 30, 2011 · Amount on Record
Deed Document Number	2025854688
Prior Transfer Date	Jun 13, 2014
Prior Transfer Doc	0000687365
Record Updated	Oct 29, 2026

September 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Sep 15, 2025
Property Address	520 12TH ST, ELKO, NV 89801-3405
Document Number	0000854688
Instrument Date	Aug 21, 2025
Instrument	854688
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	LANDMARK TTL ASSURANCE AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	354 W OAK ST, ELKO, NV 89801-2937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 12TH ST, ELKO, NV 89801-3405

Mortgage

Document Number	0000854690
Date	Sep 15, 2025
Instrument	854690

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2035

Mortgage

Document Number	0000854689
Date	Sep 15, 2025
Instrument	854689

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

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

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
2026	$1,136.00 (+5.38%)	$36,368 (-0.1%) Land $15,050 Building $21,318	$103,909 (-0.1%) Land $43,000 Building $60,909
2025	$1,078.00 (+5.69%)	$36,403 (+39.58%) Land $15,050 Building $21,353	$104,009 (+39.58%) Land $43,000 Building $61,009
2024	$1,020.00 (+13.08%)
2023	$902.00 (+8.02%)	$26,081 (+14.54%) Land $6,615 Building $19,466	$74,517 (+14.54%) Land $18,900 Building $55,617
2022	$835.00	$22,770 Land $6,615 Building $16,155	$65,057 Land $18,900 Building $46,157

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Moderate above 51% of the US · lower than 71% of Nevada
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach

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

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 376 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
CC Communications Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
White Cloud Communications Fixed Wireless · Fiber in parts of the area	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: Rise Broadband.

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