172 Balboa Loop, Kelso, WA 98626 Property Records

Cowlitz County property record for 172 Balboa Loop, Kelso, WA 98626

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,239 sqft · built 1998
Lot Size	0.138 acres (5,998 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Mar 2014)
Tax Bill	$4,881 (2025)
Deeds & Mortgages	May 2022 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`R048042`

Property Details

APN / Parcel Number

Primary APN	`R048042`
Alternative APNs	`631741014` `3048042`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,239 sqft Living Area
Gross Area	1,661 sqft
1st Floor Area	1,239 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood Shingle
Roof Material	Composition Shingle
Lot Area	5,998 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	422 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	3048042
Street Address	172 BALBOA LOOP
City	KELSO
State	WA
Zip	98626-1874
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR0
Legal Description	9 (ALOHA PARK WEST 5 PHASE 2) -1 -13 14 -8N -2W
Legal Range	02W
Legal Township	08N
Legal Section	14
Legal Subdivision	ALOHA PARK WEST 5 PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	13
Jurisdiction	COWLITZ WA
Township / Civil Division	LONGVIEW-KELSO
Census Block Group	3
Census Block	3004
Census Tract	901

Owner

Source: Cowlitz County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	172 BALBOA LOOP, KELSO, WA 98626-1874
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jul 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIBRE FCU
Jul 14, 2020	Deed of Trust, Mortgage · Line of Credit FIBRE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2014 · Amount on Record
Deed Sale	Mar 10, 2014 · Amount on Record
Prior Sale	Dec 11, 2013 · Amount on Record
Deed Document Number	20143498039
Last Transfer Date	Dec 23, 2024
Transfer Doc	0003763854
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COWLITZ WA
Property Address	172 BALBOA LOOP, KELSO, WA 98626-1874
Transaction Type	Mortgage
Record Updated	Jun 7, 2022
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003715786
Date	May 31, 2022
Instrument	3715786

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2027
Min Rate At Change	3.5%
Max Rate At Change	6.37%
Index	5-Year CMT
Margin	2
Max Rate	9.37%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COWLITZ WA
Property Address	172 BALBOA LOOP, KELSO, WA 98626-1874
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003700212
Date	Nov 15, 2021
Instrument	3700212

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	176 Months
Due	Jul 1, 2036

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COWLITZ WA
Property Address	172 BALBOA LOOP, KELSO, WA 98626-1874
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003619978
Date	Jul 8, 2019
Instrument	3619978

Lender

Name	FIBRE FCU
Type	Credit Union
Address	LONGVIEW, WA 98632

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COWLITZ WA
Property Address	172 BALBOA LOOP, KELSO, WA 98626-1874
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CASCADE TTL CO OF COWLITZ CN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003649982
Date	Jul 14, 2020
Instrument	3649982

Lender

Name	FIBRE FCU
Type	Credit Union
Address	LONGVIEW, WA 98632

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Cowlitz County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Cowlitz County
Unified School District	Kelso School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,881.00 (+5.28%)	$351,990 (+3.27%) Land $53,250 Building $298,740	$351,990 (+3.27%) Land $53,250 Building $298,740
2023	$4,636.00
2022		$340,860 Land $53,250 Building $287,610	$340,860 Land $53,250 Building $287,610

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 April 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
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

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

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	BEACON HILL WATER & SEWER DISTRICT serves 11,969 people · EPA ID WA5315650
Water Source	Purchased groundwater from LONGVIEW WATER DEPARTMENT
Last State Inspection	Dec 2022
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 502 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

May also be available: Astound Broadband.

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