121 Arrowhead Ln, Elma, WA 98541 Property Records

Grays Harbor County property record for 121 Arrowhead Ln, Elma, WA 98541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,382 sqft · built 2019
Lot Size	6.12 acres (266,587 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,542 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Jul 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`180507210050`

Property Details

APN / Parcel Number

Primary APN	`180507210050`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,382 sqft Living Area
1st Floor Area	2,382 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Foundation Type	Concrete
Lot Area	266,587 sqft (6.12 acres)
Garage Area	714 sqft

Location & Zoning

Street Address	121 ARROWHEAD LN
City	ELMA
State	WA
Zip	98541-8942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 OF LLS 09-0223 VOL 2 PG 24-26
Legal Range	07
Legal Township	05
Legal Section	18
Legal Block	72
Legal Lot Number	21
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	ELMA
Census Block Group	2
Census Block	2002
Census Tract	501

Owner

Source: Grays Harbor County records, as of October 20, 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	7416 LUCINDA CT SW, OLYMPIA, WA 98512-9395
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Deed of Trust, Mortgage · Line of Credit WASHINGTON STATE EMPLOYEES CU
Jul 3, 2019	Deed of Trust, Mortgage · Construction Mortgage GSF MORTGAGE CORP
Jun 24, 2020	Loan Modification, Mortgage GSF MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	121 ARROWHEAD LN, ELMA, WA 98541-8942
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	PACIFIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007310023
Date	Jul 31, 2023
Instrument	2023-07310023

Lender

Name	WASHINGTON STATE EMPLOYEES CU
Type	Credit Union
Address	OLYMPIA, WA 98501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	121 ARROWHEAD LN, ELMA, WA 98541-8942
Transaction Type	Mortgage
Record Updated	Jul 5, 2022
Title Company	GRAYS HARBOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007030031
Date	Jul 3, 2019
Instrument	2019-07030031

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	367 Months
Due	Feb 1, 2050

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GRAYS HARBOR WA
Property Address	121 ARROWHEAD LN, ELMA, WA 98541-8942
Document Number	0007060004
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	GRAYS HARBOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	121 W ARROWHEAD DR ELMA WA 985419634, ELMA, WA 98541-9634

Mortgage

Document Number	0007060004
Date	Jul 6, 2020
Instrument	7060004

Lender

Name	GSF MTG
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

Source: Grays Harbor County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Grays Harbor County
Unified School District	Elma School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,542.00 (-10.81%)
2025		$654,681 (-) Land $156,550 Building $498,131	$654,681 (-) Land $156,550 Building $498,131
2024	$6,214.00	$654,681 Land $156,550 Building $498,131	$654,681 Land $156,550 Building $498,131

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 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (1999–2009)
Most Recent Claim	Jan 2009 · Severe Winter Storm, Landslides, Mudslides, And 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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	60 / 5

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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