Elko County property record for 655 Spruce Rd, Elko, NV 89801 · Last verified November 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,292 sqft · built 1988 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Dec 2019) |
| Tax Bill | $2,085 (2025) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage Dec 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-972-028 |
| Primary APN | 001-972-028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 4 Stories |
| Building Area | 1,292 sqft Living Area |
| Gross Area | 2,042 sqft |
| Basement Area | 414 sqft |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Fence | Fence |
| Cooling System | Evaporative |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 655 SPRUCE RD |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801-4535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH HOLLOW ESTATES PHASE 2 FILE 279006, LOCATED IN MDB&M |
| Legal Subdivision | NORTH HOLLOW ESTATES PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 228 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | ELKO |
| Census Block Group | 3 |
| Census Block | 3072 |
| Census Tract | 950702 |
Source: Elko County records · APN 001-972-028
Assessment roll updated January 1, 2025 · Last verified November 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 655 SPRUCE RD, ELKO, NV 89801-4535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2019 | Bargain and Sale Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB |
| Dec 13, 2019 | Grant Deed, Transfer STEWART TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 13, 2019 · Amount on Record |
| Deed Sale | Dec 13, 2019 · Amount on Record |
| Prior Sale | Dec 13, 2019 · Amount on Record |
| Deed Document Number | 763347 |
| Record Updated | Jun 08, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Dec 13, 2019 |
| Property Address | 655 SPRUCE RD, ELKO, NV 89801-4535 |
| Document Number | 0000763347 |
| Map Reference | FILE 279006 |
| Instrument Date | Nov 22, 2019 |
| Instrument | 763347 |
| Transaction Type | Transfer |
| Record Updated | Sep 06, 2021 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $858.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 APPLE RIDGE RD, 40, DANBURY, CT 06810-7301 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 655 SPRUCE RD, ELKO, NV 89801-4535 |
| Document Number | 0000763348 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 763348 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Dec 13, 2019 |
| Property Address | 655 SPRUCE RD, ELKO, NV 89801-4535 |
| Document Number | 0000763346 |
| Instrument Date | Aug 02, 2019 |
| Instrument | 763346 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $858.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 40 APPLE RIDGE RD DANBURY CT 068107301, DANBURY, CT 06810-7301 |
| Investor | Possibly a Property Investor |
Source: Elko County records · Assessment roll updated January 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Municipality | Elko City |
| Unified School District | Elko County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,085.00 (+14.94%) | $56,966 (+9.08%) Land $17,500 Building $39,466 | $162,760 (+9.08%) Land $50,000 Building $112,760 |
| 2023 | $1,814.00 (+7.98%) | $52,222 (+11.35%) Land $14,875 Building $37,347 | $149,206 (+11.35%) Land $42,500 Building $106,706 |
| 2022 | $1,680.00 | $46,899 Land $14,875 Building $32,024 | $133,997 Land $42,500 Building $91,497 |
Source: FEMA National Flood Hazard Layer, Elko County (32007C), updated May 23, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Very High above 91% of the US · above 76% of Nevada |
|---|---|
| Wildfire Likelihood | About 1 in 76 per year |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 310 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Churchill County, State of Nevada | Fiber | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| White Cloud Networks | Fixed Wireless | 200 / 50 |
| Hot Spot Broadband | Fixed Wireless (unlicensed) | 100 / 50 |
May also be available at this address: Zito West Holding, AT&T, Anthem Broadband of Nevada, JAB Wireless. Availability varies by address; speeds are provider-advertised maximums, not measured.
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