789 Railroad St, Elko, NV 89801 Property Records

Elko County property record for 789 Railroad St, Elko, NV 89801

Property Summary

Property Type	Commercial
Details	280 sqft · built 2022
Lot Size	0.171 acres (7,492 sqft)
Owner	Company Name on Record
Tax Bill	$7,495 (2025)
Deeds & Mortgages	Feb 2022 Transfer Jan 2022 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`001-275-011`

Property Details

APN / Parcel Number

Primary APN	`001-275-011`
Alternative APN	`001-275-004`

Interior

Stories	1 Story
Building Area	280 sqft Living Area
Gross Area	2,341 sqft

Exterior

Year Built	Built 2022
Lot Area	7,492 sqft (0.171 acres)
Garage Type	Detached
Garage Area	432 sqft
Porch	Porch
Porch Area	70 sqft
Fence	Fence

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	789 RAILROAD ST
City	ELKO
State	NV
Zip	89801-3829
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	ZC
Legal Description	GREGORY INSURANE AGENCY
Legal Subdivision	TOWN/ELKO
Legal Block	O
Legal Lot Number	22 23
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2043
Census Tract	951300

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	Company Name on Record
Mailing Address	789 RAILROAD ST # 1, 1, ELKO, NV 89801-3829
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Correction Deed
Jan 21, 2022	Bargain and Sale Deed, Transfer
Aug 18, 2017	Quit Claim Deed, Transfer · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2022
Deed Sale	Feb 1, 2022
Prior Sale	Aug 18, 2017
Deed Document Number	801133
Prior Transfer Date	Jan 21, 2022
Prior Transfer Doc	800554
Record Updated	Jun 8, 2026

February 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	ELKO NV
Recording Date	Feb 1, 2022
Property Address	789 RAILROAD ST, ELKO, NV 89801-3829
Document Number	0000801133
Map Reference	FILE 789061
Instrument Date	Feb 1, 2022
Instrument	801133
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1250 LAMOILLE HWY STE 627, 1250, ELKO, NV 89801-8308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1250 LAMOILLE HWY STE 627, 627, ELKO, NV 89801-8308

January 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jan 21, 2022
Property Address	789 RAILROAD ST, ELKO, NV 89801-3829
Document Number	0000800554
Instrument Date	Jan 20, 2022
Instrument	800554
Transaction Type	Transfer
Record Updated	Mar 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1250 LAMOILLE HWY STE 627, 1250, ELKO, NV 89801-8308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1250 LAMOILLE HWY STE 627, 627, ELKO, NV 89801-8308

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	Aug 18, 2017
Property Address	789 RAILROAD ST, ELKO, NV 89801-3829
Document Number	0000729687
Instrument Date	Aug 14, 2017
Instrument	729687
Transaction Type	Transfer
Record Updated	Sep 5, 2017
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	Company
Address	789 RAILROAD ST ELKO NV 898013829, ELKO, NV 89801-3829

Mortgage

Document Number	729676
Date	Aug 18, 2017
Instrument	729676

Lender

Name	BANK OF AMERICA
Type	Bank
Address	FARMINGTON, CT 06032

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$7,495.00 (+26.46%)	$204,781 (+26.49%) Land $31,500 Building $173,281	$585,089 (+26.49%) Land $90,000 Building $495,089
2023	$5,927.00 (+400.17%)	$161,897 (+400.69%) Land $31,500 Building $130,397	$462,563 (+400.69%) Land $90,000 Building $372,563
2022	$1,185.00	$32,335 Land $31,500 Building $835	$92,386 Land $90,000 Building $2,386

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	9 (1995–2017)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 6 claims

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	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 376 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
CC Communications Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
White Cloud Communications Fixed Wireless · Fiber in parts of the area	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

May also be available: Rise Broadband.

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