Elko County property record for 620 Oak St, Elko, NV 89801
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,152 sqft · built 1932 |
| Lot Size | 0.129 acres (5,619 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Apr 2026) |
| Tax Bill | $652 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Aug 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 002-186-009 |
| Primary APN | 002-186-009 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,619 sqft (0.129 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 620 OAK ST |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IR |
| Legal Description | CARLIN CITY LOTS 21 & 22 BLK H A PORTION OF LOT 23 BLK H AS SHOWN ON ROS BLA FILE 462030 C/A 0/22935 AND 985/292 DESCRIBED AS |
| Legal Subdivision | +M&B |
| Legal Block | H |
| Legal Lot Number | 21 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | CARLIN |
| Census Block Group | 1 |
| Census Block | 1204 |
| Census Tract | 951600 |
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 | 620 OAK ST, CARLIN, NV 89822-0447 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Apr 10, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Aug 9, 2023 | Bargain and Sale Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Jun 25, 2020 | Grant Deed, Transfer · Conventional with PMI CITYWIDE HM LNS CORP |
| Apr 11, 2017 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 10, 2026 · Amount on Record |
| Deed Sale | Apr 10, 2026 · Amount on Record |
| Prior Sale | Aug 9, 2023 · Amount on Record |
| Deed Document Number | 2026863251 |
| Prior Transfer Date | Sep 22, 2006 |
| Prior Transfer Doc | 0000560906 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Apr 10, 2026 |
| Property Address | 620 OAK ST, ELKO, NV 89801-3550 |
| Document Number | 0000863251 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 2026863251 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2026 |
| Title Company | LANDMARK TITLE ASSURANCE AGENCY, LANDMARK TITLE ASSURANCE AGENC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $82,719.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 620 OAK ST, CARLIN, NV 89822-0447 |
| Document Number | 0000863252, |
|---|---|
| Date | Apr 10, 2026 |
| Instrument | 2026863252 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000863253, |
|---|---|
| Date | Apr 10, 2026 |
| Instrument | 2026863253 |
| Name | NEVADA STATE HOUSING DIVISION |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Aug 9, 2023 |
| Property Address | 620 OAK ST, CARLIN, NV 89822-0447 |
| Document Number | 0000823620 |
| Instrument Date | Aug 9, 2023 |
| Instrument | 823620 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2023 |
| Title Company | NOT AVAILABLE, WFG NEVADA RW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $663.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15168 S EAGLE CREST DR, DRAPER, UT 84020-5721 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 1767, CARLIN, NV 89822-1767 |
| Document Number | 0000823621 |
|---|---|
| Date | Aug 9, 2023 |
| Instrument | 823621 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jun 25, 2020 |
| Property Address | 620 OAK ST, CARLIN, NV 89822-0447 |
| Document Number | 0000770257 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 770257 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2020 |
| Title Company | STEWART TITLE ELKO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $499.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 15168 S EAGLE CREST DR DRAPER UT 840205721, DRAPER, UT 84020-5721 |
| Document Number | 770258 |
|---|---|
| Date | Jun 25, 2020 |
| Instrument | 770258 |
| Name | CITYWIDE HM LNS CORP |
|---|---|
| Address | SANDY, UT 84070 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 24, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 620 OAK ST, CARLIN, NV 89822-0447 |
| Document Number | 0000724034 |
| Instrument Date | Apr 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2017 |
| Title Company | TITLE SOURCES INC |
| Name | Verified Name |
|---|---|
| Address | 620 OAK ST CARLIN NV 89822, CARLIN, NV 89822 |
| Document Number | 0000724034 |
|---|---|
| Date | Apr 19, 2017 |
| Instrument | 724034 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 18, 2032 |
Source: Elko County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Municipality | Carlin City |
| Unified School District | Elko County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $652.00 (+14.99%) | $23,694 (+8%) Land $5,409 Building $18,286 | $67,697 (+8%) Land $15,454 Building $52,246 |
| 2025 | $567.00 (+2.9%) | $21,938 (+36.98%) Land $5,409 Building $16,530 | $62,680 (+36.98%) Land $15,454 Building $47,229 |
| 2024 | $551.00 (+9.98%) | ||
| 2023 | $501.00 (+3.09%) | $16,016 (+17.56%) Land $980 Building $15,036 | $45,760 (+17.56%) Land $2,800 Building $42,960 |
| 2022 | $486.00 | $13,624 Land $980 Building $12,644 | $38,926 Land $2,800 Building $36,126 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 92% of the US · above 78% of Nevada |
|---|---|
| Wildfire Likelihood | 2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CARLIN UTILITIES serves 2,500 people · EPA ID NV0000014 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Eccelerate Internet Cable | 300 / 100 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Rise Broadband Fixed Wireless | 100 / 20 |
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