642 Elm St, Elko, NV 89801 Property Records

Elko County property record for 642 Elm St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 875 sqft · built 1947
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Jun 2026)
Tax Bill	$931 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`001-065-003`

Property Details

APN / Parcel Number

Primary APN	`001-065-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	875 sqft Living Area
Gross Area	1,250 sqft
1st Floor Area	875 sqft
Basement Area	375 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	642 ELM ST
City	ELKO
State	NV
Zip	89801-3254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	FIRST ADDITION FILE 5
Legal Subdivision	FIRST ADDITION
Legal Block	113
Legal Lot Number	7-9
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1030
Census Tract	950800

Owner

642 Elm St is owned and occupied by an individual who bought it in June 2026.

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	642 ELM ST, ELKO, NV 89801-3254
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage STEWART TITLE
Nov 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Deed Document Number	2026866543
Record Updated	Oct 29, 2026

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jun 30, 2026
Property Address	642 ELM ST, ELKO, NV 89801-3254
Document Number	0000866543
Instrument Date	Jun 25, 2026
Instrument	2026866543
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,963.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 ELM ST, ELKO, NV 89801-3254

Mortgage

Document Number	0000866544,
Date	Jun 30, 2026
Instrument	2026866544

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	Nov 18, 2020
Property Address	642 ELM ST, ELKO, NV 89801-3254
Document Number	0000777329
Instrument Date	Nov 16, 2020
Instrument	777329
Transaction Type	Transfer
Record Updated	Nov 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	977 SOUTHSIDE DR-100 ELKO NV 89801, ELKO, NV 89801

Tax Assessment & Valuation

The 2026 property tax bill for 642 Elm St was $931, up 5.4% 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	$931.00 (+5.44%)	$38,333 (+0.43%) Land $19,950 Building $18,383	$109,523 (+0.43%) Land $57,000 Building $52,523
2025	$883.00	$38,167 Land $19,950 Building $18,217	$109,049 Land $57,000 Building $52,049
2023	$784.00 (+3.02%)	$23,241 (+9.04%) Land $6,930 Building $16,311	$66,403 (+9.04%) Land $19,800 Building $46,603
2022	$761.00	$21,315 Land $6,930 Building $14,385	$60,900 Land $19,800 Building $41,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 642 Elm St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 642 Elm St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Nevada
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 714 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 Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: CC Communications Broadband, Rise Broadband.

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