589 4th St, Elko, NV 89801 Property Records

Elko County property record for 589 4th St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,036 sqft · built 1932
Lot Size	0.126 acres (5,489 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Dec 2025)
Tax Bill	$868 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001-224-017`

Property Details

APN / Parcel Number

Primary APN	`001-224-017`
Alternative APN	`001-224-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,036 sqft Living Area
Gross Area	1,436 sqft
1st Floor Area	1,036 sqft
Basement Area	400 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,489 sqft (0.126 acres)
Shed	1 Shed
Shed Area	225 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	589 4TH ST
City	ELKO
State	NV
Zip	89801-3172
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	PARCEL 2 FILE 186178 LOCATED IN MDB&M
Legal Range	55E
Legal Township	34N
Legal Section	15
Legal Subdivision	CITY/ELKO
Legal Block	1
Legal Lot Number	2
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1014
Census Tract	951000

Owner

589 4th St is owned and occupied by an individual who bought it in December 2025.

Source: Elko County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	589 4TH ST, ELKO, NV 89801-3172
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage GREATER NEVADA LLC
Mar 30, 2020	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Feb 28, 2020	Bargain and Sale Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
May 2, 2018	Bargain and Sale Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Aug 23, 2017	Bargain and Sale Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2025 · Amount on File
Deed Sale	Dec 16, 2025 · Amount on File
Prior Sale	Feb 28, 2020 · Amount on File
Deed Document Number	2025858666
Record Updated	Oct 29, 2026

December 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Dec 16, 2025
Property Address	589 4TH ST, ELKO, NV 89801-3172
Document Number	0000858666
Instrument Date	Dec 15, 2025
Instrument	858666
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,189.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	828 JUNIPER ST, ELKO, NV 89801-3337

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	589 4TH ST, ELKO, NV 89801-3172

Mortgage

Document Number	0000858667
Date	Dec 16, 2025
Instrument	858667

Lender

Name	GREATER NEVADA LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	589 4TH ST, ELKO, NV 89801-3172
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000766915
Date	Mar 30, 2020
Instrument	766915

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

February 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Feb 28, 2020
Property Address	589 4TH ST, ELKO, NV 89801-3172
Document Number	0000765852
Map Reference	PM 186178
Instrument Date	Feb 21, 2020
Instrument	765852
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	589 4TH ST, 589, ELKO, NV 89801-3172

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	589 4TH ST, ELKO, NV 89801-3172

Mortgage

Document Number	0000765853
Date	Feb 28, 2020
Instrument	765853

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Mortgage

Document Number	0000765854
Date	Feb 28, 2020
Instrument	765854

Lender

Name	NEVADA RURAL HOUSING AUTHORITY
Type	Government Agency
Address	CARSON CITY, NV 89701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

May 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	May 2, 2018
Property Address	589 4TH ST, ELKO, NV 89801-3172
Document Number	0000740219
Instrument Date	Mar 29, 2018
Instrument	740219
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	RELIANT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 NE HAYES DR APT 325, 305, ANKENY, IA 50021-2125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	589 4TH ST, ELKO, NV 89801-3172

Mortgage

Document Number	0000740220
Date	May 2, 2018
Instrument	740220

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

August 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Aug 23, 2017
Property Address	589 4TH ST, ELKO, NV 89801-3172
Document Number	0000729812
Instrument Date	Jul 18, 2017
Instrument	729812
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	RELIANT TITLE ELKO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	589 4TH ST, 589, ELKO, NV 89801-3172

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	589 4TH ST, ELKO, NV 89801-3172

Mortgage

Document Number	0000729813
Date	Aug 23, 2017
Instrument	729813

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 589 4th St was $868, up 3.1% from the year before.

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	$868.00 (+3.09%)	$32,366 (-0.22%) Land $15,050 Building $17,316	$92,474 (-0.22%) Land $43,000 Building $49,474
2025	$842.00	$32,437 Land $15,050 Building $17,387	$92,677 Land $43,000 Building $49,677
2023	$784.00 (+7.99%)	$22,410 (+13.14%) Land $6,615 Building $15,795	$64,029 (+13.14%) Land $18,900 Building $45,129
2022	$726.00	$19,807 Land $6,615 Building $13,192	$56,591 Land $18,900 Building $37,691

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 589 4th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 23, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 589 4th St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Nevada
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 714 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	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

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

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