Elko County property record for 643 Spruce Rd, Elko, NV 89801
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,267 sqft · built 1988 |
| Lot Size | 0.153 acres (6,665 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Jan 2022) |
| Tax Bill | $2,000 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-972-031 |
| Primary APN | 001-972-031 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 4 Stories |
| Building Area | 1,267 sqft Living Area |
| Gross Area | 2,017 sqft |
| Basement Area | 389 sqft |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,665 sqft (0.153 acres) |
| Garage Area | 361 sqft |
| Parking Spaces | 1 Parking Space |
| Fence | Fence |
| Heating System | Forced Air |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 643 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 | 231 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 3 |
| Census Block | 3072 |
| Census Tract | 950702 |
Source: Elko County assessment roll, as of January 1, 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 File |
|---|---|
| Mailing Address | 643 SPRUCE RD, ELKO, NV 89801-4535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Feb 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage MOVEMENT MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 21, 2022 · Amount on Record |
| Deed Sale | Jan 21, 2022 · Amount on Record |
| Prior Sale | Jul 10, 2009 · Amount on Record |
| Deed Document Number | 800567 |
| Record Updated | Jun 8, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jan 21, 2022 |
| Property Address | 643 SPRUCE RD, ELKO, NV 89801-4535 |
| Document Number | 0000800567 |
| Map Reference | FILE 279006 |
| Instrument Date | Jan 8, 2022 |
| Instrument | 800567 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2022 |
| Title Company | STEWART TITLE ELKO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,072.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 187 N 300 W, 187, MONROE, UT 84754-4151 |
| Name | Verified Name |
|---|---|
| Address | 643 SPRUCE RD, ELKO, NV 89801-4535 |
| Document Number | 0000800568 |
|---|---|
| Date | Jan 21, 2022 |
| Instrument | 800568 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 643 SPRUCE RD, ELKO, NV 89801-4535 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000782502 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 782502 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 643 SPRUCE RD, ELKO, NV 89801-4535 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE ELKO |
| Name | Verified Name |
|---|
| Document Number | 0000765132 |
|---|---|
| Date | Feb 10, 2020 |
| Instrument | 765132 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
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 | $2,000.00 (+16.21%) | $54,637 (+7.47%) Land $17,500 Building $37,137 | $156,106 (+7.47%) Land $50,000 Building $106,106 |
| 2023 | $1,721.00 (+7.97%) | $50,837 (+11.13%) Land $14,875 Building $35,962 | $145,249 (+11.13%) Land $42,500 Building $102,749 |
| 2022 | $1,594.00 | $45,744 Land $14,875 Building $30,869 | $130,697 Land $42,500 Building $88,197 |
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
| 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.
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 West Holding Cable · Fiber in parts of the area | 1,000 / 25 |
| White Cloud Networks Fixed Wireless | 200 / 50 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
May also be available: AT&T, Beehive Telephone Companies, Churchill County, State of Nevada, JAB Wireless, Verizon.
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