605 Cortney Dr, Elko, NV 89801 Property Records

Elko County property record for 605 Cortney Dr, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,870 sqft · built 1998
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$289,000 (Dec 2019)
Tax Bill	$2,920 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-01C-029`

Property Details

APN / Parcel Number

Primary APN	`001-01C-029`
Alternative APN	`001-01A-007`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	4 Stories
Building Area	1,870 sqft Living Area
Gross Area	2,892 sqft
Basement Area	560 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	286 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	605 CORTNEY DR
City	ELKO
State	NV
Zip	89801-2437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR1
Legal Description	HERITAGE ESTATES SUB UNIT 1 FILE 410262 LOCATED IN MDB&M FORMERLY A PORTION OF 001-01A-007
Legal Range	55E
Legal Township	34N
Legal Section	08
Legal Subdivision	HERITAGE ESTATES UNIT 1
Legal Block	2
Legal Lot Number	129
Legal Unit	1
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2022
Census Tract	950701

Owner

605 Cortney Dr is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	605 CORTNEY DR, ELKO, NV 89801-2437
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 8, 2021	Deed of Trust, Mortgage · FHA Mortgage ACADEMY MTG
Dec 26, 2019	Bargain and Sale Deed, Transfer · VA Mortgage ZB NA
Mar 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2019 · Amount on File
Deed Sale	Dec 26, 2019 · Amount on File
Prior Sale	May 19, 2008 · Amount on File
Deed Document Number	2019763740
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	605 CORTNEY DR, ELKO, NV 89801-2437
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000781640
Date	Jan 27, 2021
Instrument	781640

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	605 CORTNEY DR, ELKO, NV 89801-2437
Document Number	0000782639
Instrument Date	Feb 8, 2021
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1914 PHEASANT DR ELKO NV 898015511, ELKO, NV 89801-5511

Mortgage

Document Number	0000782639
Date	Feb 18, 2021
Instrument	782639

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 17, 2051

December 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Dec 26, 2019
Property Address	605 CORTNEY DR, ELKO, NV 89801-2437
Document Number	0000763740
Map Reference	FILE 410262
Instrument Date	Dec 3, 2019
Instrument	763740
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,127.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 CORTNEY DR, 605, ELKO, NV 89801-2437

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	605 CORTNEY DR, ELKO, NV 89801-2437

Mortgage

Document Number	0000763741
Date	Dec 26, 2019
Instrument	763741

Lender

Name	ZB NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	605 CORTNEY DR, ELKO, NV 89801-2437
Document Number	0000753123
Instrument Date	Mar 26, 2019
Transaction Type	Mortgage
Record Updated	Apr 10, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	605 CORTNEY DR ELKO NV 898012437, ELKO, NV 89801-2437

Mortgage

Document Number	0000753123
Date	Apr 4, 2019
Instrument	753123

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 3, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 605 Cortney Dr was $2,920, up 3% 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	$2,920.00 (+3%)	$90,526 (+2.09%) Land $25,375 Building $65,151	$258,646 (+2.09%) Land $72,500 Building $186,146
2025	$2,835.00	$88,670 Land $21,700 Building $66,970	$253,343 Land $62,000 Building $191,343
2023	$2,097.00 (-13.95%)	$79,738 (+13.99%) Land $15,750 Building $63,988	$227,823 (+13.99%) Land $45,000 Building $182,823
2022	$2,437.00	$69,951 Land $15,750 Building $54,201	$199,860 Land $45,000 Building $154,860

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

FEMA maps place 605 Cortney Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · rainfall accumulation

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

Wildfire risk around 605 Cortney Dr is very high, ranking above 91% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	Very High above 91% of the US · above 77% of Nevada
Wildfire Likelihood	1% annual chance
Exposure	None beyond ember reach

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.

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 425 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CC Communications Broadband Fiber	1,000 / 1,000
Rise Broadband Fixed Wireless	250 / 50
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: Anthem Broadband of Nevada, Verizon, Zito Media.

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