550 S 7th St, Elko, NV 89801 Property Records

Elko County property record for 550 S 7th St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,329 sqft · built 1996
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Company Names on Record
Last Sale	$228,462 (Aug 2021)
Tax Bill	$1,979 (2026)
Deeds & Mortgages	May 2026 Line of Credit Nov 2023 Transfer + 3 more
Flood Zone	Zone AE (high risk)
APN	`001-452-041`

Property Details

APN / Parcel Number

Primary APN	`001-452-041`
Alternative APN	`001-452-026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,329 sqft Living Area
1st Floor Area	1,329 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.143 acres)

Exterior Amenities

Porch	Covered Porch
Porch Area	80 sqft
Deck Area	44 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	550 S 7TH ST
City	ELKO
State	NV
Zip	89801-4216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR-SA
Legal Description	RIVERSIDE ADDITION NO 2 FILE 51119, PART OF,DESCRIBED AS FOLLOWS:,COMM AT THE MONUMENT AT THE C/L,INTERSECTION OF WILSON & 7T
Legal Subdivision	RIVERSIDE ADDITION NO 2
Legal Block	D
Legal Lot Number	2
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2080
Census Tract	951300

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	2 Company Names on Record
Mailing Address	550 S 7TH ST, ELKO, NV 89801-4216
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed of Trust, Mortgage · Line of Credit ELKO FEDERAL CREDIT UNION
Nov 8, 2023	Correction Deed
Oct 20, 2023	Intrafamily Transfer, Transfer
Apr 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Aug 24, 2021	Bargain and Sale Deed, Transfer · FHA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on Record
Deed Sale	Aug 24, 2021 · Amount on Record
Prior Sale	Apr 5, 2016 · Amount on Record
Deed Document Number	2021793567
Prior Transfer Date	Feb 29, 2016
Prior Transfer Doc	0000710111
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Recording Date	May 15, 2026
Property Address	550 S 7TH ST, ELKO, NV 89801-4216
Document Number	0000864760
Instrument Date	May 8, 2026
Instrument	2026864760
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	550 S 7TH ST, ELKO, NV 89801-4216

Mortgage

Document Number	0000864760,
Date	May 15, 2026
Instrument	2026864760

Lender

Name	ELKO FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 13, 2036

Interest

Rate	6.37%
Max Rate	-1%

November 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	ELKO NV
Recording Date	Nov 8, 2023
Property Address	550 S 7TH ST, ELKO, NV 89801-4216
Document Number	0000828615
Instrument Date	Oct 16, 2023
Instrument	828615
Record Updated	Nov 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	550 S 7TH ST, ELKO, NV 89801-4216

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Oct 20, 2023
Property Address	550 S 7TH ST, ELKO, NV 89801-4216
Document Number	0000827946
Instrument Date	Oct 16, 2023
Instrument	827946
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	550 S 7TH ST, ELKO, NV 89801-4216

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	550 S 7TH ST, ELKO, NV 89801-4216

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	550 S 7TH ST, ELKO, NV 89801-4216
Transaction Type	Mortgage
Record Updated	Oct 22, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000767194
Date	Apr 7, 2020
Instrument	767194

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

August 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Aug 24, 2021
Property Address	550 S 7TH ST, ELKO, NV 89801-4216
Document Number	0000793567
Instrument Date	Jun 24, 2021
Instrument	793567
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO OF NV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$891.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	600 PALACE PKWY, 600, SPRING CREEK, NV 89815-7261

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	550 S 7TH ST, ELKO, NV 89801-4216

Mortgage

Document Number	0000793568
Date	Aug 24, 2021
Instrument	793568

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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	$1,979.00 (+4.76%)	$54,049 (-1.26%) Land $12,950 Building $41,099	$154,426 (-1.26%) Land $37,000 Building $117,426
2025	$1,889.00 (+5.77%)	$54,736 (+22.57%) Land $12,950 Building $41,786	$156,389 (+22.57%) Land $37,000 Building $119,389
2024	$1,786.00 (+9.17%)
2023	$1,636.00 (+11.44%)	$44,656 (+11.43%) Land $5,530 Building $39,126	$127,589 (+11.43%) Land $15,800 Building $111,789
2022	$1,468.00	$40,077 Land $5,530 Building $34,547	$114,506 Land $15,800 Building $98,706

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	9 (1995–2017)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 6 claims

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.

Wildfire

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

Wildfire Risk	High above 87% of the US · above 69% of Nevada
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 513 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
White Cloud Communications Fixed Wireless · Fiber in parts of the area	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: CC Communications Broadband, Rise Broadband.

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