Elko County property record for 649 1st St, Elko, NV 89801
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,420 sqft · built 1920 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,500 (Sep 2018) |
| Tax Bill | $1,281 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-167-007 |
| Primary APN | 001-167-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,420 sqft Living Area |
| Gross Area | 2,880 sqft |
| 1st Floor Area | 1,486 sqft |
| Basement Area | 1,394 sqft |
| Finished Basement | 934 sqft |
| Unfinished Basement | 460 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Garage Type | Detached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Oil |
| Street Address | 649 1ST ST |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801-3035 |
| 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 | 24 |
| Legal Lot Number | 22-24 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 951000 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 649 1ST ST, ELKO, NV 89801-3035 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Nov 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Sep 25, 2018 | Bargain and Sale Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2018 · Amount on Record |
| Deed Sale | Sep 25, 2018 · Amount on Record |
| Prior Sale | Aug 29, 2014 · Amount on Record |
| Deed Document Number | 2018746436 |
| Last Transfer Date | Aug 21, 2024 |
| Transfer Doc | 0000840516 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 649 1ST ST, ELKO, NV 89801-3035 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Title Company | WFG NATL TTL COMPAY OF NV |
| Name | Verified Name |
|---|
| Document Number | 0000776881 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 776881 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Sep 25, 2018 |
| Property Address | 649 1ST ST, ELKO, NV 89801-3035 |
| Document Number | 0000746436 |
| Instrument Date | Sep 20, 2018 |
| Instrument | 746436 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | RELIANT TITLE ELKO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10241 38TH AVE SW, 10241, SEATTLE, WA 98146-1119 |
| Name | Verified Name |
|---|---|
| Address | 649 1ST ST, ELKO, NV 89801-3035 |
| Document Number | 0000746437 |
|---|---|
| Date | Sep 25, 2018 |
| Instrument | 746437 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
Source: Elko County assessment roll, as of September 29, 2026
| 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 |
|---|---|---|---|
| 2026 | $1,281.00 (+2.97%) | $52,035 (-0.25%) Land $19,950 Building $32,085 | $148,671 (-0.25%) Land $57,000 Building $91,671 |
| 2025 | $1,244.00 (+13.4%) | $52,163 (+43.16%) Land $19,950 Building $32,213 | $149,037 (+43.16%) Land $57,000 Building $92,037 |
| 2023 | $1,097.00 (+2.91%) | $36,437 (+16.46%) Land $6,930 Building $29,507 | $104,106 (+16.46%) Land $19,800 Building $84,306 |
| 2022 | $1,066.00 | $31,287 Land $6,930 Building $24,357 | $89,391 Land $19,800 Building $69,591 |
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 |
|---|---|
| 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 | Low lower than 64% of the US · lower than 81% of Nevada |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 210 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Anthem Broadband of Nevada Fiber · Fixed Wireless in parts of the area | 2,000 / 2,000 |
| Zito Media Fiber · Cable | 1,000 / 1,000 |
| White Cloud Communications Fixed Wireless · Fiber in parts of the area | 200 / 50 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
May also be available: Beehive Broadband, CC Communications Broadband, Rise Broadband, Verizon.
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