646 Oak St, Elko, NV 89801 Property Records

Elko County property record for 646 Oak St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	1,438 sqft · built 1998
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Jun 2026)
Tax Bill	$2,515 (2026)
Deeds & Mortgages	Jun 2026 Sale Jan 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-183-010`

Property Details

APN / Parcel Number

Primary APN	`001-183-010`
Alternative APN	`001-183-003`

Interior

Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,438 sqft Living Area
Gross Area	2,126 sqft
1st Floor Area	1,438 sqft
Wine Cellar	Wine Cellar
Intercom	Intercom

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,011 sqft (0.138 acres)
Garage Type	Attached
Garage Area	688 sqft
Parking Spaces	2 Parking Spaces
Patio Area	80 sqft
Sports Court	Sports Court

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	646 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 THE SWLY 10.00 OF LOT 3 AND ALL OF PER ROS BLA FILE 435116 AND 1071/534 NEW SQUARE FOOTAGE: 6000.00SF
Legal Subdivision	CITY/ELKO
Legal Block	39
Legal Lot Number	4,5
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	646 OAK ST, ELKO, NV 89801-3550
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Bargain and Sale Deed, Transfer STEWART TITLE
Jan 9, 2026	Intrafamily Transfer, Transfer
Feb 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	Sep 20, 2016 · Amount on Record
Deed Document Number	2026866516
Prior Transfer Date	Feb 4, 2016
Prior Transfer Doc	0000708155
Record Updated	Oct 29, 2026

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jun 29, 2026
Property Address	646 OAK ST, ELKO, NV 89801-3550
Document Number	0000866516
Instrument Date	May 28, 2026
Instrument	2026866516
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$153,621.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	646 OAK ST, ELKO, NV 89801-3550

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Jan 9, 2026
Property Address	646 OAK ST, ELKO, NV 89801-3550
Document Number	0000859395
Instrument Date	Jan 9, 2026
Instrument	859395
Transaction Type	Transfer
Record Updated	Jan 23, 2026

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
Relationship	Family Trust
Address	646 OAK ST, ELKO, NV 89801-3550

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	646 OAK ST, ELKO, NV 89801-3550
Transaction Type	Mortgage
Record Updated	Mar 1, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000801690
Date	Feb 16, 2022
Instrument	801690

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

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	$2,515.00 (+3.33%)	$68,692 (-2.16%) Land $15,050 Building $53,642	$196,263 (-2.16%) Land $43,000 Building $153,263
2025	$2,434.00 (+5.73%)	$70,210 (+18.19%) Land $15,050 Building $55,160	$200,600 (+18.19%) Land $43,000 Building $157,600
2024	$2,302.00 (+9.99%)
2023	$2,093.00 (+9.87%)	$59,406 (+14.21%) Land $6,615 Building $52,791	$169,731 (+14.21%) Land $18,900 Building $150,831
2022	$1,905.00	$52,016 Land $6,615 Building $45,401	$148,617 Land $18,900 Building $129,717

Assessed value is set for property tax purposes, not a market price estimate; it is 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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