851 Elm St, Elko, NV 89801 Property Records

Elko County property record for 851 Elm St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,188 sqft · built 1977
Lot Size	0.157 acres (6,839 sqft)
Owner	Individual Name on Record
Tax Bill	$1,288 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-620-038`

Property Details

APN / Parcel Number

Primary APN	`001-620-038`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,188 sqft Living Area
Gross Area	2,572 sqft
Basement Area	1,100 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,839 sqft (0.157 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Patio Area	200 sqft
Canopy	200 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	851 ELM ST
City	ELKO
State	NV
Zip	89801-3350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	PARCEL B FILE 103938,LOCATED IN THE SW4 OF,MDB&M SOMETIMES DESCRIBED AS FOLLOWS:,COMM AT THE 1/4 COR COMMON TO SECS,10,15/34/
Legal Range	55E
Legal Township	34N
Legal Section	10
Legal Subdivision	CITY/ELKO
Legal Block	1
Legal Lot Number	B
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1011
Census Tract	950800

Owner

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	851 ELM ST, ELKO, NV 89801-3350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Quit Claim Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 16, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Apr 8, 2021	Bargain and Sale Deed, Transfer · FHA Mortgage GREATER NEVADA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2022
Deed Sale	Jan 4, 2022
Prior Sale	Apr 8, 2021 · Amount on Record
Deed Document Number	2022799797
Prior Transfer Date	Dec 20, 2021
Prior Transfer Doc	0000799797
Record Updated	Oct 29, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKO NV
Recording Date	Jan 4, 2022
Property Address	851 ELM ST, ELKO, NV 89801-3350
Document Number	0000799797
Instrument Date	Dec 20, 2021
Instrument	799797
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	851 ELM ST, 851, ELKO, NV 89801-3350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 ELM ST, ELKO, NV 89801-3350

Mortgage

Document Number	0000799798
Date	Jan 4, 2022
Instrument	799798

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	851 ELM ST, ELKO, NV 89801-3350
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000775571
Date	Oct 16, 2020
Instrument	775571

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Apr 8, 2021
Property Address	851 ELM ST, ELKO, NV 89801-3350
Document Number	0000785273
Map Reference	FILE103938 MAP317
Instrument Date	Mar 29, 2021
Instrument	785273
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	STEWART TITLE ELKO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,193.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	851 ELM ST, 851, ELKO, NV 89801-3350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 ELM ST, ELKO, NV 89801-3350

Mortgage

Document Number	0000785274
Date	Apr 8, 2021
Instrument	785274

Lender

Name	GREATER NEVADA LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

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	$1,288.00 (+3.04%)	$38,596 (+13.1%) Land $15,050 Building $23,546	$110,274 (+13.09%) Land $43,000 Building $67,274
2025	$1,250.00 (-2.27%)	$34,127 (-0.56%) Land $9,275 Building $24,852	$97,506 (-0.56%) Land $26,500 Building $71,006
2024	$1,279.00 (+9.04%)
2023	$1,173.00 (+2.99%)	$34,319 (+10.39%) Land $9,275 Building $25,044	$98,054 (+10.39%) Land $26,500 Building $71,554
2022	$1,139.00	$31,088 Land $9,275 Building $21,813	$88,823 Land $26,500 Building $62,323

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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

Wildfire Risk	Moderate above 40% of the US · lower than 78% of Nevada
Wildfire Likelihood	0.05% 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 54 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
White Cloud Communications Fixed Wireless	200 / 50
Hot Spot Broadband Fixed Wireless	100 / 50

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

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