769 Oak St, Elko, NV 89801 Property Records

Elko County property record for 769 Oak St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	1,410 sqft · built 2007
Lot Size	0.057 acres (2,483 sqft)
Owner	2 Individual Names on File
Last Sale	$286,000 (Dec 2022)
Tax Bill	$2,516 (2026)
Deeds & Mortgages	Dec 2022 Sale Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-182-013`

Property Details

APN / Parcel Number

Primary APN	`001-182-013`
Alternative APN	`001-182-006`

Interior

Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,410 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Metal
Lot Area	2,483 sqft (0.057 acres)
Garage Type	Detached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	769 OAK ST
City	ELKO
State	NV
Zip	89801-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	FIRST ADDITION TO THE CITY OF ELKO FILE 5,CONTAINING 2500.00SF,FORMERLY ASSESSED UNDER 001-182-006,(NO HARD COPY CARD, AUTOMA
Legal Subdivision	FIRST ADDITION
Legal Block	68
Legal Lot Number	21
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2021
Census Tract	950800

Owner

769 Oak St is owned by two individuals who bought it in December 2022.

Source: Elko County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	775 1ST ST, ELKO, NV 89801-3001
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Bargain and Sale Deed, Transfer STEWART TITLE ELKO
Nov 15, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2022 · Amount on File
Deed Sale	Dec 22, 2022 · Amount on File
Prior Sale	Nov 15, 2019 · Amount on File
Deed Document Number	2022814601
Record Updated	Oct 29, 2026

December 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Dec 22, 2022
Property Address	769 OAK ST, ELKO, NV 89801-3310
Document Number	0000814601
Map Reference	DOC 5A
Instrument Date	Dec 19, 2022
Instrument	814601
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount on Record
Tax	$1,115.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20001 S SANDS RD, FAIRFIELD, WA 99012-9759

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	775 1ST ST, ELKO, NV 89801-3001

November 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Nov 15, 2019
Property Address	769 OAK ST, ELKO, NV 89801-3310
Document Number	0000761945
Instrument Date	Oct 23, 2019
Instrument	761945
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,002.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 MOUNTAIN CITY HWY # HWY15, 207, ELKO, NV 89801-9508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	769 OAK ST, ELKO, NV 89801-3310

Mortgage

Document Number	0000761946
Date	Nov 15, 2019
Instrument	761946

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 769 Oak St was $2,516, up 3% 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	$2,516.00 (+3.03%)	$73,700 (-2.11%) Land $11,200 Building $62,500	$210,571 (-2.11%) Land $32,000 Building $178,571
2025	$2,442.00	$75,289 Land $11,200 Building $64,089	$215,111 Land $32,000 Building $183,111
2023	$2,067.00 (+2.99%)	$65,627 (+16.65%) Land $4,725 Building $60,902	$187,506 (+16.65%) Land $13,500 Building $174,006
2022	$2,007.00	$56,260 Land $4,725 Building $51,535	$160,743 Land $13,500 Building $147,243

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 769 Oak St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 769 Oak St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Nevada
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 714 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Anthem Broadband of Nevada Fiber	2,000 / 2,000
Zito Media Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: CC Communications Broadband, Rise Broadband.

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