565 13th St, Elko, NV 89801 Property Records

Elko County property record for 565 13th St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 888 sqft · built 1937
Lot Size	0.143 acres (6,229 sqft)
Owner	Individual Name on Record
Tax Bill	$964 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2021 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`001-251-003`

Property Details

APN / Parcel Number

Primary APN	`001-251-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	888 sqft Living Area
Gross Area	1,848 sqft
1st Floor Area	888 sqft
Basement Area	960 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.143 acres)
Garage Type	Carport
Garage Area	312 sqft
Carport	Carport
Carport Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	565 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,AND THE SLY 12.5 OF
Legal Subdivision	SMITHS ADDITION
Legal Block	2
Legal Lot Number	11
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	565 13TH ST, ELKO, NV 89801-3406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed of Trust, Mortgage · Line of Credit GUILD MORTGAGE COMPANY
Sep 27, 2021	Deed of Trust, Mortgage · Line of Credit ELKO FCU
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 20, 2019	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage ELKO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 19, 2024
Transfer Doc	0000841240
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Recording Date	Aug 21, 2026
Property Address	565 13TH ST, ELKO, NV 89801-3406
Document Number	0000868735
Instrument Date	Aug 11, 2026
Instrument	2026868735
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 13TH ST, ELKO, NV 89801-3406

Mortgage

Document Number	0000868735,
Date	Aug 21, 2026
Instrument	2026868735

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 7, 2046

Interest

Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	565 13TH ST, ELKO, NV 89801-3406
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000795029
Date	Sep 27, 2021
Instrument	795029

Lender

Name	ELKO FCU
Type	Credit Union
Address	ELKO, NV 89801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	565 13TH ST, ELKO, NV 89801-3406
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000788785
Date	Jun 11, 2021
Instrument	788785

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	565 13TH ST, ELKO, NV 89801-3406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000754698
Date	May 20, 2019
Instrument	754698

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	565 13TH ST, ELKO, NV 89801-3406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000769112
Date	May 29, 2020
Instrument	769112

Lender

Name	ELKO FCU
Type	Credit Union
Address	ELKO, NV 89801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jun 1, 2021

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	$964.00 (+5.47%)	$35,162 (-0.23%) Land $15,050 Building $20,112	$100,463 (-0.23%) Land $43,000 Building $57,463
2025	$914.00 (+15.99%)	$35,244 (+40.83%) Land $15,050 Building $20,194	$100,697 (+40.83%) Land $43,000 Building $57,697
2023	$788.00 (+3.01%)	$25,026 (+14.27%) Land $6,615 Building $18,411	$71,503 (+14.27%) Land $18,900 Building $52,603
2022	$765.00	$21,901 Land $6,615 Building $15,286	$62,574 Land $18,900 Building $43,674

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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