Elko County property record for 651 Spruce Rd, Elko, NV 89801
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,253 sqft · built 1990 |
| Lot Size | 0.142 acres (6,186 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Feb 2024) |
| Tax Bill | $2,158 (2026) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Jul 2017 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-972-029 |
| Primary APN | 001-972-029 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 4 Stories |
| Building Area | 1,253 sqft Living Area |
| Gross Area | 2,128 sqft |
| Basement Area | 389 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,186 sqft (0.142 acres) |
| Garage Type | Attached |
| Garage Area | 486 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 651 SPRUCE RD |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801-4535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZR |
| Legal Description | NORTH HOLLOW ESTATES PHASE 2 FILE 279006,LOCATED IN,MDB&M |
| Legal Range | 55E |
| Legal Township | 34N |
| Legal Section | 09 |
| Legal Subdivision | NORTH HOLLOW ESTATES PH 2 |
| Legal Phase | 2 |
| Legal Block | 3 |
| Legal Lot Number | 229 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 3 |
| Census Block | 3072 |
| Census Tract | 950702 |
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 | 651 SPRUCE RD, ELKO, NV 89801-4535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 29, 2024 | Bargain and Sale Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Jul 28, 2017 | Quit Claim Deed, Transfer RELIANT TITLE INC |
| Jul 28, 2017 | Bargain and Sale Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 29, 2024 · Amount on Record |
| Deed Sale | Feb 29, 2024 · Amount on Record |
| Prior Sale | Jul 28, 2017 · Amount on Record |
| Deed Document Number | 2024834099 |
| Prior Transfer Date | Jun 28, 2017 |
| Prior Transfer Doc | 0000728626 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Feb 29, 2024 |
| Property Address | 651 SPRUCE RD, ELKO, NV 89801-4535 |
| Document Number | 0000834099 |
| Map Reference | FILE 279006 |
| Instrument Date | Feb 22, 2024 |
| Instrument | 834099 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2024 |
| Title Company | STEWART TITLE ELKO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,209.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 651 SPRUCE RD, ELKO, NV 89801-4535 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 651 SPRUCE RD, ELKO, NV 89801-4535 |
| Document Number | 0000834100 |
|---|---|
| Date | Feb 29, 2024 |
| Instrument | 834100 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jul 28, 2017 |
| Property Address | 651 SPRUCE RD, ELKO, NV 89801-4535 |
| Document Number | 0000728626 |
| Instrument Date | Jun 28, 2017 |
| Instrument | 728626 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2017 |
| Title Company | RELIANT TITLE INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 2788 N 5TH ST #2111 ELKO NV 898014421, 2111, ELKO, NV 89801-4421 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Jul 28, 2017 |
| Property Address | 651 SPRUCE RD, ELKO, NV 89801-4535 |
| Document Number | 0000728627 |
| Map Reference | FILE279006 |
| Instrument Date | Jun 28, 2017 |
| Instrument | 728627 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Title Company | RELIANT TITLE ELKO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2788 N 5TH ST # ST2111, 2788, ELKO, NV 89801-4417 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 651 SPRUCE RD, ELKO, NV 89801-4535 |
| Document Number | 0000728628 |
|---|---|
| Date | Jul 28, 2017 |
| Instrument | 728628 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
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 | $2,158.00 (-2.49%) | $58,921 (-2.51%) Land $17,500 Building $41,421 | $168,346 (-2.51%) Land $50,000 Building $118,346 |
| 2025 | $2,213.00 (+12.62%) | $60,441 (+7.16%) Land $17,500 Building $42,941 | $172,689 (+7.16%) Land $50,000 Building $122,689 |
| 2023 | $1,965.00 (+8.03%) | $56,405 (+11.72%) Land $14,875 Building $41,530 | $161,157 (+11.72%) Land $42,500 Building $118,657 |
| 2022 | $1,819.00 | $50,486 Land $14,875 Building $35,611 | $144,246 Land $42,500 Building $101,746 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 | Very High above 90% of the US · above 76% of Nevada |
|---|---|
| Wildfire Likelihood | 1% 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.
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 310 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CC Communications Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| White Cloud Communications Fixed Wireless | 200 / 50 |
| Hot Spot Broadband Fixed Wireless | 100 / 50 |
May also be available: Anthem Broadband of Nevada, AT&T, Rise Broadband, Zito Media.
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