605 Spruce Rd, Elko, NV 89801 Property Records

Elko County property record for 605 Spruce Rd, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,292 sqft · built 1988
Lot Size	0.138 acres (6,011 sqft)
Owner	Individual Name on File
Last Sale	$237,500 (Jun 2020)
Tax Bill	$2,031 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-972-040`

Property Details

APN / Parcel Number

Primary APN	`001-972-040`
Alternative APN	`001-610-022`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	4 Stories
Building Area	1,292 sqft Living Area
Gross Area	1,992 sqft
Basement Area	414 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,011 sqft (0.138 acres)
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Patio Area	448 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	605 SPRUCE RD
City	ELKO
State	NV
Zip	89801-4535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	SPRUCE RD
Legal Range	55E
Legal Township	34N
Legal Section	09
Legal Subdivision	NORTH HOLLOW ESTATES PH 2
Legal Phase	2
Legal Block	3
Legal Lot Number	240
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	3
Census Block	3072
Census Tract	950702

Owner

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	605 SPRUCE RD, ELKO, NV 89801-4535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2020 · Amount on File
Deed Sale	Jun 19, 2020 · Amount on File
Prior Sale	Aug 8, 2014 · Amount on File
Deed Document Number	2020770005
Prior Transfer Date	Mar 30, 2010
Prior Transfer Doc	0000624898
Record Updated	Oct 29, 2026

June 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jun 19, 2020
Property Address	605 SPRUCE RD, ELKO, NV 89801-4535
Document Number	0000770005
Map Reference	FILE 2790006
Instrument Date	Jun 8, 2020
Instrument	770005
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$926.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 SPRUCE RD, 605, ELKO, NV 89801-4535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 SPRUCE RD, ELKO, NV 89801-4535

Mortgage

Document Number	0000770006
Date	Jun 19, 2020
Instrument	770006

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 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	$2,031.00 (+3.04%)	$59,535 (-2.57%) Land $17,500 Building $42,035	$170,100 (-2.57%) Land $50,000 Building $120,100
2025	$1,971.00 (+13.08%)	$61,104 (+6.87%) Land $17,500 Building $43,604	$174,583 (+6.87%) Land $50,000 Building $124,583
2023	$1,743.00 (+3.01%)	$57,178 (+11.97%) Land $14,875 Building $42,303	$163,366 (+11.97%) Land $42,500 Building $120,866
2022	$1,692.00	$51,067 Land $14,875 Building $36,192	$145,906 Land $42,500 Building $103,406

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

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

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

Wildfire Risk	Very High above 90% of the US · above 75% of Nevada
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 274 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 Cable · Fiber in parts of the area	1,000 / 25
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: AT&T, Beehive Broadband, CC Communications Broadband, Rise Broadband, Verizon.