2196 N River Rd, Cosmopolis, WA 98537 Property Records

Grays Harbor County property record for 2196 N River Rd, Cosmopolis, WA 98537

Property Summary

Property Type	Timberland, Forest, Woodland Vacant Land
Details	1,344 sqft · built 1981
Lot Size	28.8 acres (1,254,964 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Jun 2016)
Tax Bill	$2,676 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2019 Construction Loan
Flood Zone	Zone A (high risk)
APN	`150710420010`

Property Details

APN / Parcel Number

Primary APN	`150710420010`

Interior

Stories	1 Story
Building Area	1,258 sqft Gross Area
1st Floor Area	1,258 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Roof Material	Composition Shingle
Lot Area	1,254,964 sqft (28.8 acres)
Garage Area	672 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2196 N RIVER RD
City	COSMOPOLIS
State	WA
Zip	98537
Property Category	Vacant Land
Property Type	Vacant Land > Timberland, Forest, Woodland
Local Zoning Code	G5
Legal Description	N 1/2 SE SWLY OF CO RD & NELY OF RIV LS TAX 4
Legal Range	10
Legal Township	07
Legal Section	15
Legal Block	104
Legal Lot Number	420
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	OAKVILLE
Census Block Group	1
Census Block	1220
Census Tract	700

Owner

Source: Grays Harbor County records, as of October 20, 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	PO BOX 1181, COSMOPOLIS, WA 98537-1181
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE PACIFIC
Sep 24, 2019	Trustee's Deed, Construction Loan · Construction Mortgage BANK OF THE PACIFIC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2016 · Amount on Record
Deed Sale	Jun 22, 2016 · Amount on Record
Deed Document Number	201628
Prior Transfer Date	Jan 14, 2010
Prior Transfer Doc	0000000036
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	2196 N RIVER RD, COSMOPOLIS, WA 98537
Transaction Type	Mortgage
Record Updated	Apr 19, 2022
Title Company	GRAYS HARBOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001210039
Date	Jan 21, 2021
Instrument	2021-01210039

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Sep 24, 2019
Property Address	2196 N RIVER RD, COSMOPOLIS, WA 98537
Instrument Date	Sep 14, 2019
Instrument	9240075
Transaction Type	Construction Loan
Record Updated	Nov 14, 2019
Title Company	GRAYS HARBOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2196 N RIVER RD COSMOPOLIS WA 98537, COSMOPOLIS, WA 98537

Mortgage

Document Number	0009240075
Date	Sep 24, 2019
Instrument	9240075

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 23, 2020

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Grays Harbor County
Unified School District	North River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,676.00 (+5.44%)
2025		$379,625 (-) Land $45,012 Building $334,613	$433,203 (-) Land $98,590 Building $334,613
2024	$2,538.00 (-1.09%)	$379,625 (-0.62%) Land $45,012 Building $334,613	$433,203 (-0.55%) Land $98,590 Building $334,613
2023	$2,566.00
2022		$381,997 Land $44,979 Building $337,018	$435,608 Land $98,590 Building $337,018

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 November 27, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	64 (1990–2022)
Claims Outside the SFHA	13 of 64
Most Recent Claim	Jan 2022 · Severe Winter Storms, Snowstorms, Straight-line Winds, Flooding
Claims by Event	Severe Winter Storm, Landslides, Mudslides, And Flooding, Jan 2009 · 12 claims Severe Storms, Flooding, Landslides, And Mudslides, Dec 2007 · 31 claims High Winds, Severe Storms And Flooding, Feb 1996 · 8 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

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 4 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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