609 Cortney Dr, Elko, NV 89801 Property Records

Elko County property record for 609 Cortney Dr, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	1,583 sqft · built 1997
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Tax Bill	$2,557 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-01C-031`

Property Details

APN / Parcel Number

Primary APN	`001-01C-031`
Alternative APN	`001-01A-007`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,583 sqft Living Area
Gross Area	2,177 sqft
1st Floor Area	1,583 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	609 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	131
Legal Unit	1
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2022
Census Tract	950701

Owner

609 Cortney Dr is owned and occupied by an individual who acquired it in October 2012.

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

Owner of Record	Individual Name on File
Mailing Address	609 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
Oct 13, 2022	Deed of Trust, Mortgage · Commercial Mortgage RURAL NEVADA DEVELOPMENT CORPORATION
Oct 13, 2022	Deed of Trust, Mortgage · Commercial Mortgage RURAL NEVADA DEVELOMENT CORP
Feb 17, 2017	Deed of Trust, Mortgage · Balloon Mortgage ELKO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 8, 2012
Transfer Doc	0000662266
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	609 CORTNEY DR, ELKO, NV 89801-2437
Transaction Type	Mortgage
Record Updated	Dec 15, 2022
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 CORTNEY DR, ELKO, NV 89801-2437

Mortgage

Document Number	0000811978
Date	Oct 13, 2022
Instrument	811978

Lender

Name	RURAL NEVADA DEVELOPMENT CORPORATION
Type	Non-Lending Institution
Address	ELY, NV 89301

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	609 CORTNEY DR, ELKO, NV 89801-2437
Transaction Type	Mortgage
Record Updated	Dec 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 CORTNEY DR, ELKO, NV 89801-2437

Mortgage

Document Number	0000811979
Date	Oct 13, 2022
Instrument	811979

Lender

Name	RURAL NEVADA DEVELOMENT CORP
Type	Non-Lending Institution
Address	ELKO, NV 89801

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	609 CORTNEY DR, ELKO, NV 89801-2437
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000722178
Date	Feb 17, 2017
Instrument	722178

Lender

Name	ELKO FCU
Type	Credit Union
Address	ELKO, NV 89801

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	108 Months
Due	Feb 15, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 609 Cortney Dr was $2,557, 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	$2,557.00 (+3.02%)	$79,892 (+2.68%) Land $25,375 Building $54,517	$228,263 (+2.68%) Land $72,500 Building $155,763
2025	$2,482.00	$77,807 Land $21,700 Building $56,107	$222,306 Land $62,000 Building $160,306
2023	$2,199.00 (+3%)	$69,549 (+13.11%) Land $15,750 Building $53,799	$198,711 (+13.11%) Land $45,000 Building $153,711
2022	$2,135.00	$61,487 Land $15,750 Building $45,737	$175,677 Land $45,000 Building $130,677

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

Flood

FEMA maps place 609 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 609 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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