Elko County property record for 656 1st St, Elko, NV 89801
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,504 sqft · built 1975 |
| Lot Size | 0.227 acres (9,888 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $179,000 (Nov 2021) |
| Tax Bill | $1,018 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Nov 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-632-002 |
| Primary APN | 002-632-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,504 sqft Living Area |
| 1st Floor Area | 1,252 sqft |
| Basement Area | 1,252 sqft |
| Finished Basement | 1,252 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,888 sqft (0.227 acres) |
| Garage Type | Attached |
| Garage Area | 408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 128 sqft |
|---|---|
| Patio Area | 128 sqft |
| Shed | 1 Shed |
| Shed Area | 153 sqft |
| Canopy | 129 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Oil |
| Street Address | 656 1ST ST |
|---|---|
| City | ELKO |
| State | NV |
| Zip | 89801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SKYLINE TERRACE NO 2 ADDITION FILE 27947,AND THE NWLY HALF OF,DESCRIBED AS BEING A RECTANGULAR PARCEL OF LAND,CONSISTING OF |
| Legal Subdivision | SKYLINE TERRACE NO 2 ADD |
| Legal Block | P |
| Legal Lot Number | 3 |
| Jurisdiction | ELKO NV |
| Township / Civil Division | WELLS |
| Census Block Group | 2 |
| Census Block | 2062 |
| Census Tract | 950200 |
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 | PO BOX 631, WELLS, NV 89835-0631 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 6, 2026 | Deed of Trust, Mortgage · Line of Credit ZIONS BANCORPORATION NA |
| Nov 8, 2021 | Bargain and Sale Deed, Transfer WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO |
| Aug 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ZB NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2021 · Amount on Record |
| Deed Sale | Nov 8, 2021 · Amount on Record |
| Deed Document Number | 2021797244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | May 6, 2026 |
| Property Address | 656 1ST ST, ELKO, NV 89801-3036 |
| Document Number | 0000864124 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026864124 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 656 1ST ST, WELLS, NV 89835-8010 |
| Document Number | 0000864124, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 2026864124 |
| Name | ZIONS BANCORPORATION NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ELKO NV |
| Recording Date | Nov 8, 2021 |
| Property Address | 656 1ST ST, WELLS, NV 89835 |
| Document Number | 0000797244 |
| Instrument Date | Nov 5, 2021 |
| Instrument | 797244 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2021 |
| Title Company | WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $698.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1855 LEFTHAND CREEK LN # LN6311, 1855, LONGMONT, CO 80501-6879 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 631, WELLS, NV 89835-0631 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKO NV |
| Property Address | 656 1ST ST, WELLS, NV 89835 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000772182 |
|---|---|
| Date | Aug 7, 2020 |
| Instrument | 772182 |
| Name | ZB NA |
|---|---|
| Type | Bank |
| Address | LAS VEGAS, NV 89119 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
Source: Elko County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Nevada |
| County | Elko County |
| Municipality | Wells City |
| Unified School District | Elko County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,018.00 (+2.93%) | $32,470 (-0.36%) Land $6,300 Building $26,170 | $92,771 (-0.36%) Land $18,000 Building $74,771 |
| 2025 | $989.00 (+3.02%) | $32,588 (+10.13%) Land $6,300 Building $26,288 | $93,109 (+10.13%) Land $18,000 Building $75,109 |
| 2024 | $960.00 (+10.85%) | ||
| 2023 | $866.00 (+3.71%) | $29,591 (+12.48%) Land $3,465 Building $26,126 | $84,546 (+12.48%) Land $9,900 Building $74,646 |
| 2022 | $835.00 | $26,308 Land $3,465 Building $22,843 | $75,166 Land $9,900 Building $65,266 |
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 |
|---|---|
| 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 | Moderate above 64% of the US · lower than 62% of Nevada |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond ember reach |
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 | WELLS MUNICIPAL WATER DEPARTMENT serves 1,300 people · EPA ID NV0000245 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2026) 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 177 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Eccelerate Internet Cable | 300 / 100 |
| Rise Broadband Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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