193 N River Rd, Cosmopolis, WA 98537 Property Records

Grays Harbor County property record for 193 N River Rd, Cosmopolis, WA 98537

Property Summary

Property Type	Single Family Home
Details	1,700 sqft · built 1943
Lot Size	11.6 acres (505,296 sqft)
Owner	2 Individual Names on File
Last Sale	$264,000 (May 2007)
Tax Bill	$5,394 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160809210040`

Property Details

APN / Parcel Number

Primary APN	`160809210040`

Interior

Stories	1 Story
Building Area	1,700 sqft Living Area
Gross Area	2,636 sqft
Basement Area	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Architectural Style	Multi-Level
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	505,296 sqft (11.6 acres)
Garage Area	1,388 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	390 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	193 N RIVER RD
City	COSMOPOLIS
State	WA
Zip	98537-9727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	LOT 2 & LOT 3 LS W 930 LS TAX 8
Legal Range	09
Legal Township	08
Legal Section	16
Legal Block	92
Legal Lot Number	2,3
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	NORTH RIVER
Census Block Group	2
Census Block	2078
Census Tract	700

Owner

193 N River Rd is owned and occupied by two individuals who bought it in May 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	193 N RIVER RD, COSMOPOLIS, WA 98537-9727
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 1, 2024	Deed of Trust, Mortgage · Line of Credit TWINSTAR CU
Nov 6, 2017	Deed of Trust, Mortgage · Conventional with PMI TWINSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2007 · Amount on File
Deed Sale	May 18, 2007 · Amount on File
Deed Document Number	2007114
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	193 N RIVER RD, COSMOPOLIS, WA 98537-9727
Transaction Type	Mortgage
Record Updated	Mar 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002010034
Date	Feb 1, 2024
Instrument	2024-02010034

Lender

Name	TWINSTAR CU
Type	Credit Union
Address	OLYMPIA, WA 98507

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 31, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	193 N RIVER RD, COSMOPOLIS, WA 98537-9727
Document Number	0011130041
Instrument Date	Nov 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2018
Title Company	COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	193 N RIVER RD COSMOPOLIS WA 985379727, COSMOPOLIS, WA 98537-9727

Mortgage

Document Number	0011130041
Date	Nov 13, 2017
Instrument	11130041

Lender

Name	TWINSTAR CU
Type	Credit Union
Address	LACEY, WA 98503

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Nov 12, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 193 N River Rd was $5,394.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,394.00
2025		$546,953 (-) Land $66,200 Building $480,753	$546,953 (-) Land $66,200 Building $480,753
2024	$5,360.00 (-7.82%)	$546,953 Land $66,200 Building $480,753	$546,953 Land $66,200 Building $480,753
2023	$5,815.00
2022		$615,741 Land $94,100 Building $521,641	$615,741 Land $94,100 Building $521,641

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

Flood

FEMA maps place 193 N River 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	7 (1999–2022)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Jan 2022 · Severe Winter Storms, Snowstorms, Straight-line Winds, Flooding
Claims by Event	Severe Winter Storms, Snowstorms, Straight-line Winds, Flooding, Jan 2022 · 4 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 193 N River Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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