Grays Harbor County property record for 109 Florence Ln, Cosmopolis, WA 98537
| Property Type | Single Family Home |
|---|---|
| Details | 2,444 sqft · built 1981 |
| Lot Size | 0.315 acres (13,700 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,199 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 035101300100 |
| Primary APN | 035101300100 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 2,444 sqft Living Area |
| 1st Floor Area | 2,444 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Foundation Type | Concrete |
| Roof Material | Tile |
| Lot Area | 13,700 sqft (0.315 acres) |
| Garage Area | 600 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 754 sqft |
| Patio Area | 294 sqft |
| Heating System | Heat Pump |
|---|
| Street Address | 109 FLORENCE LN |
|---|---|
| City | COSMOPOLIS |
| State | WA |
| Zip | 98537-3951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ABER RAILROAD TAX B BLK 13 |
| Legal Range | 22 |
| Legal Township | 09 |
| Legal Section | 17 |
| Legal Subdivision | ABER RAILROAD |
| Legal Block | 13 |
| Legal Lot Number | 1 |
| Jurisdiction | GRAYS HARBOR WA |
| Township / Civil Division | ABERDEEN-HOQUIAM |
| Census Block Group | 6 |
| Census Block | 6000 |
| Census Tract | 900 |
109 Florence Ln, a single family home, is owned by two individuals.
Source: Grays Harbor County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 624, COSMOPOLIS, WA 98537-0624 |
| Owner Type | Individual |
| Vesting | Single Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAYS HARBOR WA |
| Property Address | 109 FLORENCE LN, COSMOPOLIS, WA 98537-3951 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2022 |
| Title Company | COAST TITLE |
| Name | Verified Name |
|---|
| Document Number | 0011090021 |
|---|---|
| Date | Nov 9, 2022 |
| Instrument | 2022-11090021 |
| Name | TWINSTAR CU |
|---|---|
| Type | Credit Union |
| Address | OLYMPIA, WA 98507 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 8, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 109 Florence Ln was $5,199.
Source: Grays Harbor County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Grays Harbor County |
| Municipality | Cosmopolis City |
| Unified School District | Cosmopolis School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,199.00 | ||
| 2025 | $470,691 (-) Land $40,226 Building $430,465 | $470,691 (-) Land $40,226 Building $430,465 | |
| 2024 | $4,919.00 | $470,691 Land $40,226 Building $430,465 | $470,691 Land $40,226 Building $430,465 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Florence Ln in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 16 (1979–2022) |
| Claims Outside the SFHA | 2 of 16 |
| Most Recent Claim | Jan 2022 · Severe Winter Storms, Snowstorms, Straight-line Winds, Flooding |
| Claims by Event |
|
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 109 Florence Ln 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 |
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 | COSMOPOLIS WATER DEPARTMENT serves 1,812 people · EPA ID WA5315050 |
|---|---|
| Water Source | Purchased surface water from CITY OF ABERDEEN |
| Last State Inspection | Dec 2021 |
| Lead | 1 ppb (2022–2024) 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 217 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, CenturyLink.
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