2040 Cedar St E, Port Orchard, WA 98366 Property Records

Kitsap County property record for 2040 Cedar St E, Port Orchard, WA 98366

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,384 sqft · built 1986
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,066 (2026)
Deeds & Mortgages	Sep 2023 Second Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4578-003-015-0001`

Property Details

APN / Parcel Number

Primary APN	`4578-003-015-0001`
Alternative APN	`1705409`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,384 sqft Living Area
Gross Area	1,744 sqft
1st Floor Area	1,384 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Deck Area	24 sqft
Patio Area	262 sqft
Canopy	24 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2040 CEDAR ST E
City	PORT ORCHARD
State	WA
Zip	98366-8416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MVR
Legal Description	LOTS 15 AND 16, EXCEPT THE EAST 10 FEET, BLOCK 3, MANCHESTER BAY VIEW TRACTS, AS PER PLAT RECORDED IN VOLUME 3 OF PLATS, PAGE 39, RECORDS OF KITSAP COUNTY, WASHINGTON.
Legal Range	2E
Legal Township	24
Legal Section	21
Legal Subdivision	MANCHESTER BAY VIEW TRACTS
Legal Block	3
Legal Lot Number	15,16
Jurisdiction	KITSAP WA
Township / Civil Division	PORT ORCHARD
Census Block Group	3
Census Block	3005
Census Tract	92600

Owner

2040 Cedar St E, a single family home, is owned by two individuals.

Source: Kitsap County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 156, MANCHESTER, WA 98353-0156
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
Sep 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	2040 CEDAR ST E, PORT ORCHARD, WA 98366-8416
Transaction Type	Mortgage
Record Updated	Sep 20, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000003
Date	Sep 8, 2023
Instrument	202309080003

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2043

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	2040 CEDAR ST E, PORT ORCHARD, WA 98366-8416
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000306
Date	Dec 8, 2021
Instrument	202112080306

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	2040 CEDAR ST E, PORT ORCHARD, WA 98366-8416
Document Number	0001140028
Instrument Date	Oct 17, 2020
Transaction Type	Mortgage
Record Updated	Jan 27, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 CEDAR ST E PORT ORCHARD WA 983668416, PORT ORCHARD, WA 98366-8416

Mortgage

Document Number	0001140028
Date	Jan 14, 2021
Instrument	202101140028

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 13, 2036

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	2040 CEDAR ST E, PORT ORCHARD, WA 98366-8416
Document Number	0002040108
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 CEDAR ST E PORT ORCHARD WA 983668416, PORT ORCHARD, WA 98366-8416

Mortgage

Document Number	0002040108
Date	Feb 4, 2020
Instrument	202002040108

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 3, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 2040 Cedar St E was $3,066.

Source: Kitsap County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Kitsap County
Unified School District	South Kitsap School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027		$348,600 (+0.42%) Land $88,900 Building $259,700	$348,600 (+0.42%) Land $88,900 Building $259,700
2026	$3,066.00	$347,150 Land $85,800 Building $261,350	$347,150 Land $85,800 Building $261,350
2024	$2,823.00 (+0.68%)	$347,150 (-) Land $85,800 Building $261,350	$347,150 (-) Land $85,800 Building $261,350
2023	$2,804.00	$347,150 Land $85,800 Building $261,350	$347,150 Land $85,800 Building $261,350

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

Flood

FEMA maps place 2040 Cedar St E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 11, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 2040 Cedar St E is low, with less than 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 98% of the US · lower than 98.6% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	MANCHESTER WATER DISTRICT serves 10,475 people · EPA ID WA5350700
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	Under 1 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. 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Kitsap PUD, T-Mobile.

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