649 Cortney Dr, Elko, NV 89801 Property Records

Elko County property record for 649 Cortney Dr, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,678 sqft · built 2011
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Apr 2023)
Tax Bill	$5,283 (2026)
Deeds & Mortgages	Apr 2023 Transfer Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-01C-071`

Property Details

APN / Parcel Number

Primary APN	`001-01C-071`
Alternative APN	`001-01C-050`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	1,678 sqft Living Area
Gross Area	2,888 sqft
1st Floor Area	1,678 sqft
Basement Area	658 sqft
Wine Cellar	Wine Cellar
Intercom	Intercom

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Patio Area	121 sqft
Sports Court	Sports Court

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	649 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),CREATE
Legal Range	55E
Legal Township	34M
Legal Section	08
Legal Subdivision	HERITAGE ESTATES UNIT 5
Legal Block	2
Legal Lot Number	151
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	Individual Name on Record
Mailing Address	649 CORTNEY DR, ELKO, NV 89801-2456
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Quit Claim Deed, Transfer WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO OF NV
Apr 24, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2023 · Amount on Record
Deed Sale	Apr 24, 2023 · Amount on Record
Prior Sale	Dec 16, 2013 · Amount on Record
Deed Document Number	2023818478
Record Updated	Oct 29, 2026

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	Apr 24, 2023
Property Address	649 CORTNEY DR, ELKO, NV 89801-2456
Document Number	0000818479
Map Reference	DOC 578671
Instrument Date	Apr 24, 2023
Instrument	818479
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO OF NV

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	649 CORTNEY DR, ELKO, NV 89801-2456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 CORTNEY DR, ELKO, NV 89801-2456

April 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Apr 24, 2023
Property Address	649 CORTNEY DR, ELKO, NV 89801-2456
Document Number	0000818478
Map Reference	DOC 578671
Instrument Date	Apr 19, 2023
Instrument	818478
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO OF NV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,755.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	649 CORTNEY DR, ELKO, NV 89801-2456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 CORTNEY DR, ELKO, NV 89801-2456

Mortgage

Document Number	0000818480
Date	Apr 24, 2023
Instrument	818480

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

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	$5,283.00 (+3.24%)	$144,313 (+0.8%) Land $25,375 Building $118,938	$412,323 (+0.8%) Land $72,500 Building $339,823
2025	$5,117.00 (+21.17%)	$143,161 (+9.78%) Land $21,700 Building $121,461	$409,031 (+9.78%) Land $62,000 Building $347,031
2023	$4,223.00 (+8.01%)	$130,405 (+15.31%) Land $15,750 Building $114,655	$372,586 (+15.31%) Land $45,000 Building $327,586
2022	$3,910.00	$113,087 Land $15,750 Building $97,337	$323,106 Land $45,000 Building $278,106

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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