644 Oak St, Elko, NV 89801 Property Records

Elko County property record for 644 Oak St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,144 sqft · built 1937
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Mar 2026)
Tax Bill	$1,207 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Apr 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`001-183-002`

Property Details

APN / Parcel Number

Primary APN	`001-183-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	1,404 sqft
1st Floor Area	1,144 sqft
Basement Area	260 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Duplex Single
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Porch	Porch
Patio Area	500 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	644 OAK ST
City	ELKO
State	NV
Zip	89801-3550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	ELKO CITY FILE 1
Legal Subdivision	CITY/ELKO
Legal Block	39
Legal Lot Number	6-8
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2036
Census Tract	950800

Owner

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	2 Individual Names on Record
Mailing Address	PO BOX 1688, ELKO, NV 89803-1688
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage ZB NA
Apr 1, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Deed Document Number	2026861808
Prior Transfer Date	Mar 3, 2022
Prior Transfer Doc	0000803738
Record Updated	Oct 29, 2026

March 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Mar 10, 2026
Property Address	644 OAK ST, ELKO, NV 89801-3550
Document Number	0000861808
Instrument Date	Mar 9, 2026
Instrument	861808
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$448.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1688, ELKO, NV 89803-1688

Mortgage

Document Number	0000861809
Date	Mar 10, 2026
Instrument	861809

Lender

Name	ZB NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Apr 1, 2022
Property Address	644 OAK ST, ELKO, NV 89801-3550
Document Number	0000803738
Instrument Date	Mar 30, 2022
Instrument	803738
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1688, ELKO, NV 89803-1688

Tax Assessment & Valuation

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	$1,207.00 (+5.41%)	$40,218 (-0.13%) Land $19,950 Building $20,269	$114,909 (-0.13%) Land $57,000 Building $57,911
2025	$1,145.00 (+5.72%)	$40,271 (+45.31%) Land $19,950 Building $20,321	$115,060 (+45.31%) Land $57,000 Building $58,060
2024	$1,083.00 (+13.05%)
2023	$958.00 (+5.51%)	$27,714 (+11.92%) Land $9,188 Building $18,526	$79,182 (+11.92%) Land $26,251 Building $52,931
2022	$908.00	$24,763 Land $9,188 Building $15,575	$70,751 Land $26,251 Building $44,500

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.

Flood

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

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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