Elko County property record for 538 S 4th St, Elko, NV 89801
| Property Type | Single Family Home |
|---|---|
| Details | 1,442 sqft · built 1910 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (Mar 2024) |
| Tax Bill | $1,019 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 001-442-004 |
| Primary APN | 001-442-004 |
|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 2,884 sqft Living Area |
| Gross Area | 3,346 sqft |
| 1st Floor Area | 1,442 sqft |
| Basement Area | 462 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,009 sqft (0.115 acres) |
| Garage Type | Detached |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 72 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 538 S 4TH ST |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801-4107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZR |
| Legal Description | BIEGLER ADDITION NO 2 FILE 92140 |
| Legal Subdivision | BIEGLER ADDITION NO 2 |
| Legal Block | K |
| Legal Lot Number | 5 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 951202 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 538 S 4TH ST, ELKO, NV 89801-4107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC |
| Mar 11, 2024 | Bargain and Sale Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Oct 26, 2017 | Bargain and Sale Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2024 · Amount on Record |
| Deed Sale | Mar 11, 2024 · Amount on Record |
| Prior Sale | Oct 26, 2017 · Amount on Record |
| Deed Document Number | 2024834397 |
| Prior Transfer Date | Oct 19, 2006 |
| Prior Transfer Doc | 0000564708 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 538 S 4TH ST, ELKO, NV 89801-4107 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | UNKNOWN, WFG NEVADA RW |
| Name | Verified Name |
|---|---|
| Address | 538 S 4TH ST, ELKO, NV 89801-4107 |
| Document Number | 0000858180 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 858180 |
| Name | MEGA CAPITAL FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | CALABASAS, CA 91302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Mar 11, 2024 |
| Property Address | 538 S 4TH ST, ELKO, NV 89801-4107 |
| Document Number | 0000834397 |
| Instrument Date | Mar 8, 2024 |
| Instrument | 834397 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2024 |
| Title Company | STEWART TITLE ELKO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $897.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1857 WILLOW AVE, LAKE HAVASU CITY, AZ 86403-5633 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 538 S 4TH ST, ELKO, NV 89801-4107 |
| Document Number | 0000834398 |
|---|---|
| Date | Mar 11, 2024 |
| Instrument | 834398 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Oct 26, 2017 |
| Property Address | 538 S 4TH ST, ELKO, NV 89801-4107 |
| Document Number | 0000732101 |
| Instrument Date | Oct 4, 2017 |
| Instrument | 732101 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Title Company | STEWART TITLE ELKO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4045 S TRANSPORT ST, 4045, BOISE, ID 83705-5325 |
| Name | Verified Name |
|---|---|
| Address | 538 S 4TH ST, ELKO, NV 89801-4107 |
| Document Number | 0000732102 |
|---|---|
| Date | Oct 26, 2017 |
| Instrument | 732102 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
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 | $1,019.00 (+3.03%) | $34,915 (-0.13%) Land $12,950 Building $21,965 | $99,757 (-0.13%) Land $37,000 Building $62,757 |
| 2025 | $989.00 (+12.39%) | $34,960 (+35.81%) Land $12,950 Building $22,010 | $99,886 (+35.81%) Land $37,000 Building $62,886 |
| 2023 | $880.00 (+7.98%) | $25,742 (+15.88%) Land $5,530 Building $20,212 | $73,549 (+15.88%) Land $15,800 Building $57,749 |
| 2022 | $815.00 | $22,214 Land $5,530 Building $16,684 | $63,469 Land $15,800 Building $47,669 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective May 23, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 95% of the US · above 87% of Nevada |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: 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 224 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 |
| Rise Broadband Fixed Wireless | 250 / 50 |
| White Cloud Communications Fixed Wireless | 200 / 50 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
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