653 Cortney Dr, Elko, NV 89801 Property Records

Elko County property record for 653 Cortney Dr, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,357 sqft · built 2010
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Trust Names on File
Last Sale	$455,000 (Jun 2023)
Tax Bill	$4,705 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-01C-070`

Property Details

APN / Parcel Number

Primary APN	`001-01C-070`
Alternative APN	`001-01C-050`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,357 sqft Living Area
Gross Area	3,293 sqft
1st Floor Area	2,357 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	653 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,AS AMENDED BY FILE 578671,(NO HARD COPY P
Legal Range	55E
Legal Township	34N
Legal Section	08
Legal Subdivision	HERITAGE ESTATES UNIT 5
Legal Block	2
Legal Lot Number	153
Legal Unit	5
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2022
Census Tract	950701

Owner

653 Cortney Dr is owner-occupied and held in a trust since June 2023.

Source: Elko County records, as of September 29, 2026

Owner of Record	2 Trust Names on File
Mailing Address	653 CORTNEY DR, ELKO, NV 89801-2456
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2025	Intrafamily Transfer, Transfer · Line of Credit ZB NA
Jun 26, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 17, 2020	Bargain and Sale Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2023 · Amount on File
Deed Sale	Jun 26, 2023 · Amount on File
Prior Sale	Sep 17, 2020
Deed Document Number	2023820968
Prior Transfer Date	Aug 26, 2015
Prior Transfer Doc	0000701870
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKO NV
Recording Date	Sep 18, 2025
Property Address	653 CORTNEY DR, ELKO, NV 89801-2456
Document Number	0000854862
Map Reference	DOC 578671
Instrument Date	Aug 29, 2025
Instrument	854862
Transaction Type	Transfer
Record Updated	Oct 17, 2025

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	653 CORTNEY DR, ELKO, NV 89801-2456

Mortgage

Document Number	0000854666
Date	Sep 18, 2025
Instrument	854666

Lender

Name	ZB NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jun 26, 2023
Property Address	653 CORTNEY DR, ELKO, NV 89801-2456
Document Number	0000820968
Map Reference	DOC 578671
Instrument Date	Jun 20, 2023
Instrument	820968
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,774.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3525 TREETOP ST, DELAND, FL 32724-9618

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	653 CORTNEY DR, ELKO, NV 89801-2456

Mortgage

Document Number	0000820969
Date	Jun 26, 2023
Instrument	820969

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2038

September 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Sep 17, 2020
Property Address	653 CORTNEY DR, ELKO, NV 89801-2456
Document Number	0000774039
Map Reference	DOC 578671
Instrument Date	Sep 14, 2020
Instrument	774039
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,439.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	653 CORTNEY DR, ELKO, NV 89801-2456

Mortgage

Document Number	0000774040
Date	Sep 17, 2020
Instrument	774040

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 653 Cortney Dr was $4,705, up 5.4% from the year before.

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	$4,705.00 (+5.4%)	$140,183 (+0.82%) Land $25,375 Building $114,808	$400,523 (+0.82%) Land $72,500 Building $328,023
2025	$4,464.00 (+2.98%)	$139,040 Land $21,700 Building $117,340	$397,257 Land $62,000 Building $335,257
2024	$4,335.00 (+9.83%)
2023	$3,947.00 (+3%)	$126,857 (+15.66%) Land $15,750 Building $111,107	$362,449 (+15.66%) Land $45,000 Building $317,449
2022	$3,832.00	$109,683 Land $15,750 Building $93,933	$313,380 Land $45,000 Building $268,380

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

FEMA maps place 653 Cortney Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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

Wildfire risk around 653 Cortney Dr is extreme, ranking above 98.7% of the US, with a 3% annual chance of 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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