657 Cortney Dr, Elko, NV 89801 Property Records

Elko County property record for 657 Cortney Dr, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	1,681 sqft · built 2011
Lot Size	0.185 acres (8,102 sqft)
Owner	Individual Name on Record
Last Sale	$323,500 (May 2011)
Tax Bill	$5,250 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`001-01C-069`

Property Details

APN / Parcel Number

Primary APN	`001-01C-069`
Alternative APN	`001-01C-050`

Interior

Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	1,681 sqft Living Area
Gross Area	3,586 sqft
Basement Area	1,377 sqft

Exterior

Year Built	Built 2011
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,102 sqft (0.185 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	168 sqft
Fence	Fence
Canopy	168 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	657 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,(NO HARD COPY PARCEL CARD CREATED),CREATE
Legal Subdivision	HERITAGE ESTATES UNIT 5
Legal Lot Number	155
Legal Unit	5
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2022
Census Tract	950701

Owner

Source: Elko County records, as of November 6, 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 Record
Co-owner	Co-owner on Record
Mailing Address	657 CORTNEY DR, ELKO, NV 89801-2456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Oct 18, 2017	Deed of Trust, Mortgage · Line of Credit ELKO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2011 · Amount on Record
Deed Sale	May 11, 2011 · Amount on Record
Prior Sale	May 11, 2011 · Amount on Record
Deed Document Number	0000639837
Last Transfer Date	Aug 17, 2016
Transfer Doc	0000714803
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	657 CORTNEY DR, ELKO, NV 89801-2456
Transaction Type	Mortgage
Record Updated	Aug 30, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000808831
Date	Aug 2, 2022
Instrument	808831

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	657 CORTNEY DR, ELKO, NV 89801-2456
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	STEWART TITLE ELKO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000731795
Date	Oct 18, 2017
Instrument	731795

Lender

Name	ELKO FCU
Type	Credit Union
Address	ELKO, NV 89801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 17, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Elko County assessment roll, as of January 1, 2025

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
2025	$5,250.00 (+13.17%)	$163,990 (+8.94%) Land $21,700 Building $142,290	$468,543 (+8.94%) Land $62,000 Building $406,543
2023	$4,639.00 (+3%)	$150,531 (+15.75%) Land $15,750 Building $134,781	$430,089 (+15.75%) Land $45,000 Building $385,089
2022	$4,504.00	$130,044 Land $15,750 Building $114,294	$371,554 Land $45,000 Building $326,554

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.

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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