Grays Harbor County property record for 1020 W Main St, Elma, WA 98541
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.75 ba · 3,052 sqft · built 1922 |
| Lot Size | 0.227 acres (9,900 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,176 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage Sep 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 047501401100 |
| Primary APN | 047501401100 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,052 sqft Living Area |
| Basement Area | 1,080 sqft |
| Finished Basement | 1,080 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Multi-Level |
| Foundation Type | Block |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 9,900 sqft (0.227 acres) |
| Porch | Porch |
| Porch Area | 102 sqft |
| Patio Area | 42 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1020 W MAIN ST |
|---|---|
| City | ELMA |
| State | WA |
| Zip | 98541-9228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WAKEFIELD & BYLES LOTS 11-13 INC BLK 14 |
| Legal Range | 34 |
| Legal Township | 06 |
| Legal Section | 18 |
| Legal Subdivision | WAKEFIELD & BYLES |
| Legal Block | 14 |
| Legal Lot Number | 11-13 |
| Jurisdiction | GRAYS HARBOR WA |
| Township / Civil Division | ELMA |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 502 |
1020 W Main St is owned and occupied by two individuals who acquired it in September 2025.
Source: Grays Harbor County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1020 W MAIN ST, ELMA, WA 98541-9228 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Nov 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP |
| Sep 16, 2025 | Intrafamily Transfer, Transfer · FHA Mortgage AMERISAVE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2025 |
| Deed Sale | Sep 16, 2025 |
| Prior Sale | Jun 3, 2016 · Amount on File |
| Deed Document Number | 202521 |
| Prior Transfer Date | Jul 17, 2025 |
| Prior Transfer Doc | 0000000021 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAYS HARBOR WA |
| Property Address | 1020 W MAIN ST, ELMA, WA 98541-9228 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Title Company | COAST TITLE |
| Name | Verified Name |
|---|
| Document Number | 0011140042 |
|---|---|
| Date | Nov 14, 2022 |
| Instrument | 2022-11140042 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GRAYS HARBOR WA |
| Recording Date | Sep 16, 2025 |
| Property Address | 1020 W MAIN ST, ELMA, WA 98541-9228 |
| Document Number | 0009160021 |
| Map Reference | VOL 2 PG 62 |
| Instrument Date | Jul 17, 2025 |
| Instrument | 2025-09160021 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | UNKNOWN, SUMMIT STLMT SVCS VESTING |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1020 W MAIN ST, ELMA, WA 98541-9228 |
| Document Number | 0009160022 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 2025-09160022 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 1, 2055 |
The 2026 property tax bill for 1020 W Main St was $3,176, down 5.1% from the year before.
Source: Grays Harbor County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Grays Harbor County |
| Municipality | Elma City |
| Unified School District | Elma School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,176.00 (-5.08%) | ||
| 2025 | $3,346.00 (-25.96%) | $350,541 (-) Land $65,028 Building $285,513 | $350,541 (-) Land $65,028 Building $285,513 |
| 2024 | $4,519.00 (+11.61%) | $350,541 Land $65,028 Building $285,513 | $350,541 Land $65,028 Building $285,513 |
| 2023 | $4,049.00 | ||
| 2022 | $428,797 Land $65,028 Building $363,769 | $428,797 Land $65,028 Building $363,769 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1020 W Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 27, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Jan 2022 · Severe Winter Storms, Snowstorms, Straight-line Winds, Flooding |
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 risk around 1020 W Main 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 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ELMA serves 6,638 people · EPA ID WA5323100 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 294 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures