1401 Lum Rd, Centralia, WA 98531 Property Records

Lewis County property record for 1401 Lum Rd, Centralia, WA 98531

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,536 sqft · built 1968
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$378,500 (Apr 2026)
Tax Bill	$3,183 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2024 Line of Credit + 2 more
APN	`003416-177-000`

Property Details

APN / Parcel Number

Primary APN	`003416-177-000`
Alternative APNs	`2211268` `14363`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,536 sqft Living Area
1st Floor Area	1,536 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Wood
Roof Material	Tar & Gravel
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	90 ft deep x 80 ft wide
Terrain	Low
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Covered Porch
Porch Area	176 sqft
Deck Area	84 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	2211268
Street Address	1401 LUM RD
City	CENTRALIA
State	WA
Zip	98531-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C2
Legal Description	SECTION 06 TOWNSHIP 14N RANGE 02W LT 6 BLK 4 JENSENS SUB TR 5&10 BLK 1 JAMES/JOHNSON AC TRS
Legal Range	02W
Legal Township	14N
Legal Section	06
Legal Subdivision	JENSENS SUB
Legal Tract	5,10
Legal Block	4,1
Legal Lot Number	6
Jurisdiction	LEWIS WA
Township / Civil Division	CENTRALIA-CHEHALIS
Census Block Group	4
Census Block	4007
Census Tract	970300

Owner

Source: Lewis County records, as of August 24, 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	1401 LUM RD, CENTRALIA, WA 98531-1819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 3, 2024	Deed of Trust, Mortgage · Line of Credit TWINSTAR CU
Apr 10, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE, INC
Jul 19, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Jul 19, 2019 · Amount on Record
Deed Document Number	20263636782
Prior Transfer Date	Oct 30, 2012
Prior Transfer Doc	0003387584
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS WA
Property Address	1401 LUM RD, CENTRALIA, WA 98531-1819
Transaction Type	Mortgage
Record Updated	May 20, 2026
Title Company	TITLE GUARANTY OF OREGON, TITLE GUARANTY OF LEWIS CNTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003561392
Date	Sep 28, 2021
Instrument	3561392

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS WA
Property Address	1401 LUM RD, CENTRALIA, WA 98531-1819
Transaction Type	Mortgage
Record Updated	May 20, 2026
Title Company	LEWIS COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003609477
Date	Jul 3, 2024
Instrument	3609477

Lender

Name	TWINSTAR CU
Type	Credit Union
Address	PO BOX 718, OLYMPIA, WA 98507

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 2, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS WA
Recording Date	Apr 10, 2026
Property Address	1401 LUM RD, CENTRALIA, WA 98531-1819
Document Number	0003636782
Instrument Date	Apr 10, 2026
Instrument	20263636782
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	TITLE GUARANTY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$612,161.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 LUM RD, CENTRALIA, WA 98531-1819

Mortgage

Document Number	0003636783,
Date	Apr 10, 2026
Instrument	20263636783

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.75%
Max Rate	-1%

Mortgage

Document Number	0003636784,
Date	Apr 10, 2026
Instrument	20263636784

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	30 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS WA
Recording Date	Jul 19, 2019
Property Address	1401 LUM RD, CENTRALIA, WA 98531-1819
Document Number	0003505880
Map Reference	VOL 4 PG 544
Instrument Date	Jul 8, 2019
Instrument	3505880
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,259.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 LUM RD, CENTRALIA, WA 98531-1819

Mortgage

Document Number	0003505881
Date	Jul 19, 2019
Instrument	3505881

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Lewis County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Lewis County
Municipality	Centralia City
Unified School District	Centralia School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,183.00 (+38.03%)	$351,400 (-) Land $75,000 Building $276,400	$351,400 (-) Land $75,000 Building $276,400
2024	$2,306.00	$351,400 Land $75,000 Building $276,400	$351,400 Land $75,000 Building $276,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	7 (1990–1996)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 1996 · High Winds, Severe Storms And Flooding
Claims by Event	High Winds, Severe Storms And Flooding, Feb 1996 · 5 claims Severe Storms & Flooding, Nov 1990 · 2 claims

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CENTRALIA PUBLIC WORKS - WATER serves 28,164 people · EPA ID WA5312200
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Hawk Networks Fixed Wireless	200 / 70

May also be available: Verizon.

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