20928 Echo Lake Rd, Snohomish, WA 98296 Property Records

Snohomish County property record for 20928 Echo Lake Rd, Snohomish, WA 98296

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,390 sqft · built 1984
Lot Size	1.81 acres (78,844 sqft)
Owner	Individual Name on File
Last Sale	$949,000 (Aug 2025)
Tax Bill	$6,251 (2026)
Deeds & Mortgages	Nov 2024 Line of Credit Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0620-003-015-00`

Property Details

APN / Parcel Number

Primary APN	`0620-003-015-00`
Alternative APNs	`270620-003-015-00` `20270630150006` `202706301500` `343545`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Units	4 Units
Stories	3 Stories
Building Area	1,390 sqft Living Area
Gross Area	1,830 sqft
1st Floor Area	1,082 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Tri-Level
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	78,844 sqft
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Sundeck
Deck Area	376 sqft
Patio Area	376 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	343545
Street Address	20928 ECHO LAKE RD
City	SNOHOMISH
State	WA
Zip	98296-7856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	SEC 20 TWP 27 RGE 06 TH N 150FT OF S 605FT OF TH PTN SW1/4 SW1/4 LY W OF ECHO LK RD EXC W 30FT THOF AKA LOT 1 OF SP 83 (4-83) REC AF NO 8306290107 TGW W 30FT OF N 150FT OF S 605TH OF SW1/4 SW1/4
Legal Range	06
Legal Township	27
Legal Section	20
Legal Subdivision	SP 83
Legal Block	203
Legal Lot Number	1
Jurisdiction	SNOHOMISH WA
Township / Civil Division	MALTBY
Census Block Group	1
Census Block	1012
Census Tract	52112

Owner

Source: Snohomish County assessment roll, as of August 14, 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 File
Mailing Address	650 BELLEVUE WAY NE, 3301, BELLEVUE, WA 98004-5058
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2024	Deed of Trust, Mortgage · Line of Credit HERITAGE SOUTHEAST BANK
Aug 15, 2025	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 15, 2025 · Amount on Record
Deed Sale	Aug 15, 2025 · Amount on Record
Prior Sale	Jul 30, 1999 · Amount on Record
Deed Document Number	2025298
Record Updated	Sep 20, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	20928 ECHO LAKE RD, SNOHOMISH, WA 98296-7856
Transaction Type	Mortgage
Record Updated	May 11, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20928 ECHO LAKE RD, SNOHOMISH, WA 98296-7856

Mortgage

Document Number	0000000301
Date	Nov 6, 2024
Instrument	202411060301

Lender

Name	HERITAGE SOUTHEAST BANK
Type	Bank
Address	OLYMPIA, WA 98507

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SNOHOMISH WA
Recording Date	Aug 15, 2025
Property Address	20928 ECHO LAKE RD, SNOHOMISH, WA 98296-7856
Document Number	0000000298
Instrument Date	Aug 6, 2025
Instrument	202508150298
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	CW TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$15,952.20
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	650 BELLEVUE WAY NE UNIT 3301, 3301, BELLEVUE, WA 98004-5058

Mortgage

Document Number	0000000299
Date	Aug 15, 2025
Instrument	202508150299

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Tax Assessment & Valuation

Source: Snohomish County assessment roll, as of August 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,251.00 (-0.9%)	$790,900 (-5.99%) Land $569,400 Building $221,500	$790,900 (-5.99%) Land $569,400 Building $221,500
2023	$6,308.00	$841,300 Land $603,800 Building $237,500	$841,300 Land $603,800 Building $237,500

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 March 17, 2022 · 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 Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2003 · tidal / storm surge

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
Adjoins Burnable Land	Yes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CROSS VALLEY WATER DISTRICT serves 24,695 people · EPA ID WA5316270
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2021
Lead	3 ppb (2022–2024) 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Radiate Holdings Cable	1,500 / 50
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Northwest Fiber.

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