WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO OF NV
Transaction
Amount
Amount on Record
Tax
$546.00
Amount Accuracy
Rounded by County
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Community Property with Right of Survivorship
Address
1730 CELTIC WAY, ELKO, NV 89801-4710
March 2019: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
ELKO NV
Recording Date
Mar 1, 2019
Property Address
686 S 5TH ST, ELKO, NV 89801-4208
Document Number
0000752055
Instrument Date
Mar 1, 2019
Instrument
752055
Transaction Type
Transfer
Record Updated
Mar 7, 2019
Title Company
ATTORNEY ONLY
Transaction
Amount
Amount on Record
Tax
$35.00
Additional
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Personal Trust
Address
224 OAK ST ELKO NV 898013130, ELKO, NV 89801-3130
February 2019: Quit Claim Deed, Transfer
Document Type
Quit Claim Deed
Jurisdiction
ELKO NV
Recording Date
Feb 1, 2019
Property Address
686 S 5TH ST, ELKO, NV 89801-4208
Document Number
0000751262
Instrument Date
Feb 1, 2019
Instrument
751262
Transaction Type
Transfer
Record Updated
Feb 7, 2019
Title Company
STEWART TITLE
Transaction
Tax
$0.00
Additional
Quitclaim
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Separate Estate/Property
Address
224 OAK ST ELKO NV 898013130, ELKO, NV 89801-3130
February 2019: Bargain and Sale Deed, Transfer
Document Type
Bargain and Sale Deed
Jurisdiction
ELKO NV
Recording Date
Feb 1, 2019
Property Address
686 S 5TH ST, ELKO, NV 89801-4208
Document Number
0000751261
Instrument Date
Jan 17, 2019
Instrument
751261
Transaction Type
Transfer
Record Updated
Sep 6, 2021
Title Company
STEWART TITLE CO
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$468.00
Amount Accuracy
Rounded by County
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
1039 DOTTA DR, 1039, ELKO, NV 89801-2707
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
224 OAK ST, ELKO, NV 89801-3130
Mortgage
Document Number
0000751263
Date
Feb 1, 2019
Instrument
751263
Lender
Name
ACADEMY MORTGAGE CORP
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Mar 1, 2049
March 2019: Quit Claim Deed, Transfer
Document Type
Quit Claim Deed
Jurisdiction
ELKO NV
Recording Date
Mar 1, 2019
Property Address
686 S 5TH ST, ELKO, NV 89801-4208
Document Number
0000752054
Instrument Date
Mar 1, 2016
Instrument
752054
Transaction Type
Transfer
Record Updated
Mar 7, 2019
Title Company
ATTORNEY ONLY
Transaction
Tax
$0.00
Additional
Quitclaim
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Separate Estate/Property
Address
224 OAK ST ELKO NV 898013130, ELKO, NV 89801-3130
Tax Assessment & Valuation
The 2026 property tax bill for 686 S 5th St was $1,130, 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
$1,130.00 (+5.41%)
$39,036 (-0.25%)Land $26,250Building $12,786
$111,531 (-0.25%)Land $75,000Building $36,531
2025
$1,072.00 (+5.72%)
$39,135Land $26,250Building $12,885
$111,814Land $75,000Building $36,814
2024
$1,014.00 (+4.32%)
2023
$972.00 (+7.52%)
$26,521 (+7.53%)Land $14,810Building $11,711
$75,774 (+7.53%)Land $42,314Building $33,460
2022
$904.00
$24,664Land $14,810Building $9,854
$70,468Land $42,314Building $28,154
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 686 S 5th St in Zone X, an area of minimal flood risk.
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
Flood Insurance Cost
Premium on File median of 10 policies
Nearby Flood Policies
10 in force
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 686 S 5th St is extreme, ranking above 98.9% 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 98.9% 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 224 locations within half a mile, as of December 31, 2025