145 Oneill Rd, Elma, WA 98541 Property Records

Grays Harbor County property record for 145 Oneill Rd, Elma, WA 98541

Property Summary

Property Type	Single Family Home
Details	2,188 sqft · built 1920
Lot Size	9.4 acres (409,464 sqft)
Owner	2 Individual Names on File
Last Sale	$562,500 (Apr 2026)
Tax Bill	$4,344 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`180629230030`

Property Details

APN / Parcel Number

Primary APN	`180629230030`

Interior

Stories	1 Story
Building Area	2,188 sqft Living Area
Gross Area	3,004 sqft
Basement Area	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2003
Architectural Style	Multi-Level
Foundation Type	Concrete
Roof Material	Metal
Lot Area	409,464 sqft (9.4 acres)
Garage Area	1,364 sqft
Porch	Porch
Porch Area	1,177 sqft
Patio Area	1,001 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	145 ONEILL RD
City	ELMA
State	WA
Zip	98541-9529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	S 330 OF N 746 OF SW NW LS RD
Legal Range	29
Legal Township	06
Legal Section	18
Legal Block	292
Legal Lot Number	230
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	ELMA
Census Block Group	2
Census Block	2030
Census Tract	501

Owner

145 Oneill Rd is owned and occupied by two individuals who bought it in April 2026.

Source: Grays Harbor County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	145 ONEILL RD, ELMA, WA 98541-9529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Dec 19, 2019	Deed of Trust, Mortgage · Line of Credit WASHINGTON ST EMP CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2026 · Amount on File
Deed Sale	Apr 15, 2026 · Amount on File
Deed Document Number	202615
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Apr 15, 2026
Property Address	145 ONEILL RD, ELMA, WA 98541-9529
Document Number	0000000015
Instrument Date	Apr 9, 2026
Instrument	202615
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	GRAYS HARBOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$774,291.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 ONEILL RD, ELMA, WA 98541-9529

Mortgage

Document Number	0000000016,
Date	Apr 15, 2026
Instrument	2026516

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	145 ONEILL RD, ELMA, WA 98541-9529
Document Number	0012260001
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	PACIFIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	145 ONEILL RD ELMA WA 985419529, ELMA, WA 98541-9529

Mortgage

Document Number	0012260001
Date	Dec 26, 2019
Instrument	12260001

Lender

Name	WASHINGTON ST EMP CU
Type	Credit Union
Address	OLYMPIA, WA 98501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 25, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 145 Oneill Rd was $4,344, down 5.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Washington
County	Grays Harbor County
Unified School District	Satsop School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,344.00 (-5.63%)
2025	$4,603.00 (-5.79%)	$550,251 (-) Land $166,000 Building $384,251	$550,251 (-) Land $166,000 Building $384,251
2024	$4,886.00	$550,251 Land $166,000 Building $384,251	$550,251 Land $166,000 Building $384,251

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 145 Oneill Rd 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 145 Oneill Rd is low, with a 0.02% 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	0.02% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE only, no 5G reported

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