196 Balboa Loop, Kelso, WA 98626 Property Records

Cowlitz County property record for 196 Balboa Loop, Kelso, WA 98626

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,687 sqft · built 1996
Lot Size	0.138 acres (5,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$418,000 (Sep 2022)
Tax Bill	$5,164 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`R048046`

Property Details

APN / Parcel Number

Primary APN	`R048046`
Alternative APNs	`631741018` `3048046`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,687 sqft Living Area
Gross Area	2,127 sqft
1st Floor Area	937 sqft
2nd Floor Area	750 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Multi-Level
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	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3048046
Street Address	196 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 -17 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	17
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 August 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	196 BALBOA LOOP, KELSO, WA 98626-1874
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
May 27, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage TOP SHELF INVESTMENT HOLDINGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2022 · Amount on Record
Deed Sale	Sep 19, 2022 · Amount on Record
Prior Sale	May 27, 2022 · Amount on Record
Deed Document Number	20223723145
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COWLITZ WA
Recording Date	Sep 19, 2022
Property Address	196 BALBOA LOOP, KELSO, WA 98626-1874
Document Number	0003723145
Map Reference	VOL 13 PG 8
Instrument Date	Sep 15, 2022
Instrument	3723145
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	WFG NATL TTL CO OF CLARK CNT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,643.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 BALBOA LOOP, KELSO, WA 98626-1874

Mortgage

Document Number	0003723146
Date	Sep 19, 2022
Instrument	3723146

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Mortgage

Document Number	0003723147
Date	Sep 19, 2022
Instrument	3723147

Lender

Name	WASHINGTON STATE HOUSING FIN COMMISSION
Type	Government Agency
Address	SEATTLE, WA 98104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COWLITZ WA
Recording Date	May 27, 2022
Property Address	196 BALBOA LOOP, KELSO, WA 98626-1874
Document Number	0003715712
Map Reference	VOL 13 PG 8
Instrument Date	May 25, 2022
Instrument	3715712
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	CLARE COUNTY TITLE COMPANY, CLARK COUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
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	PO BOX 230, BRUSH PRAIRIE, WA 98606-0230
Investor	Possibly a Property Investor

Mortgage

Document Number	0003715713
Date	May 27, 2022
Instrument	3715713

Lender

Name	TOP SHELF INVESTMENT HOLDINGS LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,164.00 (+8.4%)	$376,000 (+7.31%) Land $53,250 Building $322,750	$376,000 (+7.31%) Land $53,250 Building $322,750
2023	$4,764.00
2022		$350,400 Land $53,250 Building $297,150	$350,400 Land $53,250 Building $297,150

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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