539 13th St, Elko, NV 89801 Property Records

Elko County property record for 539 13th St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,086 sqft · built 1951
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Mar 2020)
Tax Bill	$1,403 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`001-251-005`

Property Details

APN / Parcel Number

Primary APN	`001-251-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,086 sqft Living Area
Gross Area	2,816 sqft
1st Floor Area	1,956 sqft
Basement Area	608 sqft
Finished Basement	130 sqft
Unfinished Basement	478 sqft
Wine Cellar	Wine Cellar
Intercom	Intercom

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Deck Area	539 sqft
Patio Area	208 sqft
Sports Court	Sports Court

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	539 13TH ST
City	ELKO
State	NV
Zip	89801-3406
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	6-8
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2010
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	539 13TH ST, ELKO, NV 89801-3406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING
Mar 23, 2020	Bargain and Sale Deed, Transfer · FHA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2020 · Amount on Record
Deed Sale	Mar 23, 2020 · Amount on Record
Prior Sale	Feb 19, 2016 · Amount on Record
Deed Document Number	2020766702
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Recording Date	Jun 22, 2026
Property Address	539 13TH ST, ELKO, NV 89801-3406
Document Number	0000866243
Instrument Date	Jun 15, 2026
Instrument	2026866243
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 13TH ST, ELKO, NV 89801-3406

Mortgage

Document Number	0000866243,
Date	Jun 22, 2026
Instrument	2026866243

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

March 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Mar 23, 2020
Property Address	539 13TH ST, ELKO, NV 89801-3406
Document Number	0000766702
Instrument Date	Mar 22, 2020
Instrument	766702
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	235 OAK ST, 235, ELKO, NV 89801-3129

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 13TH ST, ELKO, NV 89801-3406

Mortgage

Document Number	0000766703
Date	Mar 23, 2020
Instrument	766703

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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	$1,403.00 (+3.01%)	$54,899 (-0.21%) Land $19,950 Building $34,949	$156,854 (-0.21%) Land $57,000 Building $99,854
2025	$1,362.00 (+13.22%)	$55,013 (+40.9%) Land $19,950 Building $35,063	$157,180 (+40.9%) Land $57,000 Building $100,180
2023	$1,203.00 (+3%)	$39,045 (+15.55%) Land $6,930 Building $32,115	$111,557 (+15.54%) Land $19,800 Building $91,757
2022	$1,168.00	$33,792 Land $6,930 Building $26,862	$96,549 Land $19,800 Building $76,749

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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