645 Cortney Dr, Elko, NV 89801 Property Records

Elko County property record for 645 Cortney Dr, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,544 sqft · built 2012
Lot Size	0.178 acres (7,754 sqft)
Owner	2 Company Names on Record
Last Sale	$410,000 (Aug 2020)
Tax Bill	$5,706 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-01C-072`

Property Details

APN / Parcel Number

Primary APN	`001-01C-072`
Alternative APN	`001-01C-050`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,544 sqft Living Area
Gross Area	3,882 sqft
1st Floor Area	1,544 sqft
Basement Area	1,535 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,754 sqft (0.178 acres)
Garage Type	Attached
Garage Area	803 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	645 CORTNEY DR
City	ELKO
State	NV
Zip	89801-2456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR1
Legal Description	HERITAGE ESTATES SUBDIVISION UNIT 5 FILE 577665 BEING LOCATED IN A PORTION OF MDB&M (NO HARD COPY PARCEL CARD CREATED) CREATED FROM SPLIT OF PARCEL 001-01C-050 AMENDED PER DOCUMENT 578671
Legal Range	55E
Legal Township	34M
Legal Section	08
Legal Subdivision	HERITAGE ESTATES UNIT 5
Legal Block	2
Legal Lot Number	149
Legal Unit	5
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2022
Census Tract	950701

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 Company Names on Record
Mailing Address	645 CORTNEY DR, ELKO, NV 89801-2456
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2020	Bargain and Sale Deed, Transfer · Conventional Mortgage GREATER NEVADA LLC
Jan 15, 2019	Grant Deed, Transfer · Conventional Mortgage SG CAP PTRS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2020 · Amount on Record
Deed Sale	Aug 10, 2020 · Amount on Record
Prior Sale	Jan 15, 2019 · Amount on Record
Deed Document Number	2020772292
Prior Transfer Date	Nov 22, 2013
Prior Transfer Doc	0000680993
Record Updated	Oct 29, 2026

August 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Aug 10, 2020
Property Address	645 CORTNEY DR, ELKO, NV 89801-2456
Document Number	0000772292
Map Reference	FILE 577665
Instrument Date	Jul 23, 2020
Instrument	772292
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	WFG NATIONAL TITLE CO OF NV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,599.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7044 PENBROOK DR, 7044, FRANKLIN, TN 37069-8407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CORTNEY DR, ELKO, NV 89801-2456

Mortgage

Document Number	0000772293
Date	Aug 10, 2020
Instrument	772293

Lender

Name	GREATER NEVADA LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELKO NV
Recording Date	Jan 15, 2019
Property Address	645 CORTNEY DR, ELKO, NV 89801-2456
Document Number	0000750569
Instrument Date	Dec 19, 2018
Instrument	750569
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	RELIANT TITLE-ELKO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,509.30
Amount Accuracy	Confirmed
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	645 CORTNEY DR ELKO NV 898012456, ELKO, NV 89801-2456

Mortgage

Document Number	750570
Date	Jan 15, 2019
Instrument	750570

Lender

Name	SG CAP PTRS LLC
Address	STAMFORD, CT 06901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2049

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	$5,706.00 (+5.41%)	$160,872 (+0.47%) Land $25,375 Building $135,497	$459,634 (+0.47%) Land $72,500 Building $387,134
2025	$5,413.00 (+16.01%)	$160,121 (+9.25%) Land $21,700 Building $138,421	$457,489 (+9.25%) Land $62,000 Building $395,489
2023	$4,666.00 (+3%)	$146,558 (+15.87%) Land $15,750 Building $130,808	$418,737 (+15.87%) Land $45,000 Building $373,737
2022	$4,530.00	$126,480 Land $15,750 Building $110,730	$361,371 Land $45,000 Building $316,371

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · rainfall accumulation

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.

Wildfire

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

Wildfire Risk	Extreme above 98.7% of the US · above 95% of Nevada
Wildfire Likelihood	3% annual chance
Exposure	Direct burnable vegetation

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.

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 425 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CC Communications Broadband Fiber	1,000 / 1,000
Rise Broadband Fixed Wireless	250 / 50
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: Anthem Broadband of Nevada, Verizon, Zito Media.

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