654 Cortney Dr, Elko, NV 89801 Property Records

Elko County property record for 654 Cortney Dr, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,501 sqft · built 2009
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Oct 2025)
Tax Bill	$4,942 (2026)
Deeds & Mortgages	Oct 2025 Sale Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-01C-067`

Property Details

APN / Parcel Number

Primary APN	`001-01C-067`
Alternative APN	`001-01C-050`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,501 sqft Living Area
Gross Area	3,077 sqft
1st Floor Area	2,501 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,017 sqft (0.207 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	237 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	654 CORTNEY DR
City	ELKO
State	NV
Zip	89801-2457
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	34N
Legal Section	08
Legal Subdivision	HERITAGE ESTATES UNIT 5
Legal Block	2
Legal Lot Number	152
Legal Unit	5
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2023
Census Tract	950701

Owner

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	654 CORTNEY DR, ELKO, NV 89801-2457
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Bargain and Sale Deed, Transfer LANDMARK TITLE ASSURANCE AGENCY, LANDMARK TTL ASSURANCE AGCY
Oct 30, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 9, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage VANTAGE BANK TEXAS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	Jul 9, 2021 · Amount on Record
Deed Document Number	2025856593
Prior Transfer Date	Oct 11, 2013
Prior Transfer Doc	0000680075
Record Updated	Oct 29, 2026

October 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Oct 30, 2025
Property Address	654 CORTNEY DR, ELKO, NV 89801-2457
Document Number	0000856592
Map Reference	DOC 578671
Instrument Date	Oct 20, 2025
Instrument	856592
Transaction Type	Transfer
Record Updated	Nov 13, 2025
Title Company	LANDMARK TITLE ASSURANCE AGENCY, LANDMARK TTL ASSURANCE AGCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1823 W CHACO CIR, LEHI, UT 84048-6947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1823 W CHACO CIR, LEHI, UT 84048-6947

October 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Oct 30, 2025
Property Address	654 CORTNEY DR, ELKO, NV 89801-2457
Document Number	0000856593
Map Reference	DOC 578671
Instrument Date	Oct 9, 2025
Instrument	856593
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	LANDMARK TITLE ASSURANCE AGENCY, LANDMARK TTL ASSURANCE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,852.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1823 W CHACO CIR, LEHI, UT 84048-6947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 CORTNEY DR, ELKO, NV 89801-2457

Mortgage

Document Number	0000856594
Date	Oct 30, 2025
Instrument	856594

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jul 9, 2021
Property Address	654 CORTNEY DR, ELKO, NV 89801-2457
Document Number	0000790951
Map Reference	FILE 577665
Instrument Date	Jul 8, 2021
Instrument	790951
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	$1,755.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	654 CORTNEY DR, 654, ELKO, NV 89801-2457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 CORTNEY DR, ELKO, NV 89801-2457

Mortgage

Document Number	0000790952
Date	Jul 9, 2021
Instrument	790952

Lender

Name	VANTAGE BANK TEXAS
Type	Bank

Agreement

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

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	$4,942.00 (+0.98%)	$135,013 (+0.98%) Land $25,375 Building $109,638	$385,751 (+0.98%) Land $72,500 Building $313,251
2025	$4,894.00 (+17.36%)	$133,701 (+9.47%) Land $21,700 Building $112,001	$382,003 (+9.47%) Land $62,000 Building $320,003
2023	$4,170.00 (+8%)	$122,131 (+15.55%) Land $15,750 Building $106,381	$348,946 (+15.55%) Land $45,000 Building $303,946
2022	$3,861.00	$105,691 Land $15,750 Building $89,941	$301,974 Land $45,000 Building $256,974

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.

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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