16 Cummings Ave, Elma, WA 98541 Property Records

Grays Harbor County property record for 16 Cummings Ave, Elma, WA 98541

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,188 sqft · built 1910
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$206,000 (Jun 2020)
Tax Bill	$2,108 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`772000300500`

Property Details

APN / Parcel Number

Primary APN	`772000300500`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,188 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2018
Architectural Style	Conventional
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	248 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	16 CUMMINGS AVE
City	ELMA
State	WA
Zip	98541-9247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	G1
Legal Description	MALONE LOT 5 BLK 3
Legal Range	17
Legal Township	05
Legal Section	17
Legal Subdivision	MALONE
Legal Block	3
Legal Lot Number	5
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	MALONE-PORTER
Census Block Group	3
Census Block	3170
Census Tract	700

Owner

16 Cummings Ave is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	16 CUMMINGS AVE, ELMA, WA 98541-9247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2020 · Amount on File
Deed Sale	Jun 29, 2020 · Amount on File
Deed Document Number	202091
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Jun 29, 2020
Property Address	16 CUMMINGS AVE, ELMA, WA 98541-9247
Document Number	0006290091
Map Reference	VOL 6 PG 42
Instrument Date	Jun 15, 2020
Instrument	2020-06290091
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	PACIFIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,786.00
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	16 CUMMINGS AVE, ELMA, WA 98541-9247

Mortgage

Document Number	0006290092
Date	Jun 29, 2020
Instrument	2020-06290092

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 16 Cummings Ave was $2,108, up 0.9% 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	Elma School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,108.00 (+0.86%)
2025	$2,090.00 (-4.22%)	$230,790 (-) Land $21,750 Building $209,040	$230,790 (-) Land $21,750 Building $209,040
2024	$2,182.00	$230,790 Land $21,750 Building $209,040	$230,790 Land $21,750 Building $209,040

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

Flood

FEMA maps place 16 Cummings Ave 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	14 (1981–2015)
Claims Outside the SFHA	6 of 14
Most Recent Claim	Dec 2015 · Severe Winter Storm, Straight-line Winds, Flooding, Landslides, Mudslides, And A T
Claims by Event	Severe Winter Storm, Landslides, Mudslides, And Flooding, Jan 2009 · 4 claims Severe Storms, Flooding, Landslides, And Mudslides, Dec 2007 · 3 claims High Winds, Severe Storms And Flooding, Feb 1996 · 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

Wildfire risk around 16 Cummings Ave 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	Direct burnable vegetation

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	MALONE private · serves 181 people · EPA ID WA5350600
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

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