Elko County property record for 627 Spruce Rd, Elko, NV 89801
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,553 sqft · built 1988 |
| Lot Size | 0.137 acres (6,011 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $227,000 (Jul 2016) |
| Tax Bill | $1,754 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-972-035 |
| Primary APN | 001-972-035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,553 sqft Living Area |
| Basement Area | 2 sqft |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,011 sqft (0.137 acres) |
| Garage Area | 494 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 365 sqft |
| Fence | Fence |
| Cooling System | Evaporative |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 627 SPRUCE RD |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801-4535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZR |
| Legal Description | NORTH HOLLOW ESTATES PHASE 2 FILE 279006,LOCATED IN,MDB&M |
| Legal Subdivision | NORTH HOLLOW ESTATES PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 235 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 3 |
| Census Block | 3072 |
| Census Tract | 950702 |
Source: Elko County records, as of November 6, 2025
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 | 627 SPRUCE RD, ELKO, NV 89801-4535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2016 · Amount on Record |
| Deed Sale | Jul 25, 2016 · Amount on Record |
| Prior Sale | Jul 25, 2016 · Amount on Record |
| Deed Document Number | 714063 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 627 SPRUCE RD, ELKO, NV 89801-4535 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2024 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 627 SPRUCE RD, ELKO, NV 89801-4535 |
| Document Number | 0000831176 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 831176 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 272 Months |
| Due | Aug 1, 2046 |
Source: Elko County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Municipality | Elko City |
| Unified School District | Elko County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,754.00 (+12.87%) | $53,858 (+7.75%) Land $17,500 Building $36,358 | $153,880 (+7.75%) Land $50,000 Building $103,880 |
| 2023 | $1,554.00 (+3.05%) | $49,986 (+11.02%) Land $14,875 Building $35,111 | $142,817 (+11.02%) Land $42,500 Building $100,317 |
| 2022 | $1,508.00 | $45,023 Land $14,875 Building $30,148 | $128,637 Land $42,500 Building $86,137 |
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.
Source: FEMA National Flood Hazard Layer, effective May 23, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
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.
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