890 2nd St, Elko, NV 89801 Property Records

Elko County property record for 890 2nd St, Elko, NV 89801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 853 sqft · built 1934
Lot Size	0.118 acres (5,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (May 2025)
Tax Bill	$935 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-163-011`

Property Details

APN / Parcel Number

Primary APN	`001-163-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	853 sqft Living Area
Gross Area	1,573 sqft
1st Floor Area	853 sqft
Basement Area	720 sqft

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,140 sqft (0.118 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	890 2ND ST
City	ELKO
State	NV
Zip	89801-3012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZR
Legal Description	FIRST ADDITION FILE 5 THE NLY 51.50 OF AND FURTHER DESCRIBED AS FOLLOWS: COMM AT COR 1, WHICH IS THE WLY COR OF LOT 8, BLK 63 OF THE SAID FIRST ADDITION, FROM WHICH THE MONUMENT AT THE C/L OF 3RD & CEDAR ST OF THE SAID FIRST ADDITION BEARS N 32+2116
Legal Subdivision	FIRST ADDITION
Legal Block	63
Legal Lot Number	9-12
Jurisdiction	ELKO NV
Township / Civil Division	ELKO
Census Block Group	1
Census Block	1024
Census Tract	951000

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	2 Individual Names on Record
Mailing Address	890 2ND ST, ELKO, NV 89801-3012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jan 12, 2022	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Jul 12, 2019	Bargain and Sale Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2025 · Amount on Record
Deed Sale	May 28, 2025 · Amount on Record
Prior Sale	Jul 12, 2019 · Amount on Record
Deed Document Number	2025850239
Prior Transfer Date	Apr 14, 2014
Prior Transfer Doc	0000685844
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	890 2ND ST, ELKO, NV 89801-3012
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 2ND ST, ELKO, NV 89801-3012

Mortgage

Document Number	0000861621
Date	Mar 5, 2026
Instrument	861621

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 7, 2056

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKO NV
Property Address	890 2ND ST, ELKO, NV 89801-3012
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 2ND ST, ELKO, NV 89801-3012

Mortgage

Document Number	0000800135
Date	Jan 12, 2022
Instrument	800135

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Aug 1, 2049

July 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ELKO NV
Recording Date	Jul 12, 2019
Property Address	890 2ND ST, ELKO, NV 89801-3012
Document Number	0000756633
Instrument Date	Jul 9, 2019
Instrument	756633
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$811.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3911 E 8TH AVE, 3911, SPOKANE, WA 99202-5216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 2ND ST, ELKO, NV 89801-3012

Mortgage

Document Number	0000756634
Date	Jul 12, 2019
Instrument	756634

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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	$935.00 (+5.53%)	$33,306 (+5.96%) Land $15,050 Building $18,256	$95,160 (+5.96%) Land $43,000 Building $52,160
2025	$886.00 (+17.82%)	$31,434 (+47.17%) Land $15,050 Building $16,384	$89,811 (+47.17%) Land $43,000 Building $46,811
2023	$752.00 (+8.05%)	$21,359 (+12.51%) Land $6,615 Building $14,744	$61,026 (+12.51%) Land $18,900 Building $42,126
2022	$696.00	$18,984 Land $6,615 Building $12,369	$54,240 Land $18,900 Building $35,340

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	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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