648 Elm St, Elko, NV 89801 Property Records

Elko County property record for 648 Elm St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,232 sqft · built 1958
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Jul 2023)
Tax Bill	$889 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-065-004`

Property Details

APN / Parcel Number

Primary APN	`001-065-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,232 sqft Living Area

Exterior

Year Built	Built 1958
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,009 sqft (0.114 acres)
Fence	Fence
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	648 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 LOTS 5,6 BLK 113
Legal Subdivision	FIRST ADDITION
Legal Block	113
Legal Lot Number	5,6 6
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1030
Census Tract	950800

Owner

Source: Elko County records, as of November 6, 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 Record
Mailing Address	648 ELM ST, ELKO, NV 89801-3254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2023	Bargain and Sale Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
Feb 19, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Apr 16, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2023 · Amount on Record
Deed Sale	Jul 20, 2023 · Amount on Record
Prior Sale	Feb 19, 2021 · Amount on Record
Deed Document Number	822320
Record Updated	Jun 8, 2026

July 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jul 20, 2023
Property Address	648 ELM ST, ELKO, NV 89801-3254
Document Number	0000822320
Map Reference	DOC 5A
Instrument Date	Jul 6, 2023
Instrument	822320
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,189.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8031 DEBBS AVE, BAKERSFIELD, CA 93308-3618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 CONNOLLY DR APT 197, 197, ELKO, NV 89801-7949
Investor	Possibly a Property Investor

Mortgage

Document Number	0000822321
Date	Jul 20, 2023
Instrument	822321

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Mortgage

Document Number	0000822322
Date	Jul 20, 2023
Instrument	822322

Lender

Name	NEVADA RURAL HOUSING AUTHORITY
Type	Government Agency
Address	CARSON CITY, NV 89701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

February 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Feb 19, 2021
Property Address	648 ELM ST, ELKO, NV 89801-3254
Document Number	0000782695
Instrument Date	Feb 12, 2021
Instrument	782695
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$897.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	717 W IDAHO ST, 717, ELKO, NV 89801-2882

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	648 ELM ST, ELKO, NV 89801-3254

Mortgage

Document Number	0000782696
Date	Feb 19, 2021
Instrument	782696

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELKO NV
Recording Date	Apr 16, 2020
Property Address	648 ELM ST, ELKO, NV 89801-3254
Document Number	0000767483
Instrument Date	Apr 15, 2020
Instrument	767483
Transaction Type	Transfer
Record Updated	Jun 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$488.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	717 W IDAHO ST #A ELKO NV 898017846, A, ELKO, NV 89801-7846

Tax Assessment & Valuation

Source: Elko County assessment roll, as of January 1, 2025

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
2025	$889.00 (+20.95%)	$32,297 (+44.66%) Land $15,050 Building $17,247	$92,277 (+44.66%) Land $43,000 Building $49,277
2023	$735.00 (+2.94%)	$22,326 (+13.76%) Land $6,615 Building $15,711	$63,789 (+13.76%) Land $18,900 Building $44,889
2022	$714.00	$19,626 Land $6,615 Building $13,011	$56,074 Land $18,900 Building $37,174

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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