162 Charles St, Monroe, WA 98272 Property Records

Snohomish County property record for 162 Charles St, Monroe, WA 98272

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,232 sqft · built 1904
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$557,000 (Nov 2025)
Tax Bill	$3,876 (2026)
Deeds & Mortgages	Nov 2025 Sale & Reverse Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4649-002-001-00`

Property Details

APN / Parcel Number

Primary APN	`4649-002-001-00`
Alternative APNs	`004649-002-001-00` `46490020010004` `308778`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Sundeck
Porch Area	32 sqft
Deck Area	32 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	308778
Street Address	162 CHARLES ST
City	MONROE
State	WA
Zip	98272-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DC
Legal Description	HARRIMANS 1ST ADD TO MONROE BLK 002 D-00 - ALL LOT 1
Legal Section	06
Legal Subdivision	HARRIMANS 1ST ADD TO MONROE
Legal Block	002 D
Legal Lot Number	1
Jurisdiction	SNOHOMISH WA
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2010
Census Tract	52210

Owner

162 Charles St is owned and occupied by two individuals who bought it in November 2025.

Source: Snohomish County records, as of September 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	162 CHARLES ST, MONROE, WA 98272-2303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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

Date	Document
Nov 18, 2025	Warranty Deed, Transfer · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Apr 20, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 17, 2018	Deed of Trust, Mortgage · Line of Credit BOEING EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on File
Deed Sale	Nov 18, 2025 · Amount on File
Prior Sale	Apr 20, 2022 · Amount on File
Deed Document Number	2025340
Prior Transfer Date	Jan 9, 2015
Prior Transfer Doc	0000000319
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SNOHOMISH WA
Recording Date	Nov 18, 2025
Property Address	162 CHARLES ST, MONROE, WA 98272-2303
Document Number	0000000340
Map Reference	VOL 4 PG 9
Instrument Date	Nov 18, 2025
Instrument	202511180340
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE LTD

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,974.60
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	162 CHARLES ST, MONROE, WA 98272-2303

Mortgage

Document Number	0000000341
Date	Nov 18, 2025
Instrument	202511180341

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	1028 Months
Due	Jul 27, 2111

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	162 CHARLES ST, MONROE, WA 98272-2303
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	RAINIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000114
Date	Jan 27, 2021
Instrument	202101270114

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SNOHOMISH WA
Recording Date	Apr 20, 2022
Property Address	162 CHARLES ST, MONROE, WA 98272-2303
Document Number	0000000554
Map Reference	VOL 4 PG 9
Instrument Date	Apr 15, 2022
Instrument	202204200554
Transaction Type	Transfer
Record Updated	Apr 29, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,340.00
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	12829 CHAIN LAKE RD, SNOHOMISH, WA 98290-8635

Mortgage

Document Number	0000000555
Date	Apr 20, 2022
Instrument	202204200555

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	162 CHARLES ST, MONROE, WA 98272-2303
Document Number	0000000024
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 11, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 CHARLES ST MONROE WA 982722303, MONROE, WA 98272-2303

Mortgage

Document Number	0000000024
Date	Sep 27, 2018
Instrument	201809270024

Lender

Name	BOEING EMPS CU
Type	Credit Union
Address	SEATTLE, WA 98124-9750

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 26, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 162 Charles St was $3,876, up 0.1% from the year before.

Source: Snohomish County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Snohomish County
Municipality	Monroe City
Unified School District	Monroe School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,876.00 (+0.05%)	$495,400 Land $282,200 Building $213,200	$495,400 Land $282,200 Building $213,200
2025	$3,874.00
2024		$458,200 (+22.74%) Land $245,000 Building $213,200	$458,200 (+22.74%) Land $245,000 Building $213,200
2023	$2,779.00	$373,300 Land $240,000 Building $133,300	$373,300 Land $240,000 Building $133,300

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

Flood

FEMA maps place 162 Charles St 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 March 17, 2022

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 162 Charles St 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
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	MONROE WATER SYSTEM serves 23,467 people · EPA ID WA5355820
Water Source	Purchased surface water from CITY OF EVERETT PUBLIC WORKS DEPT.
Last State Inspection	May 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Astound Broadband, T-Mobile, Ziply Fiber.

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