22 Ridgetop Ln, Elma, WA 98541 Property Records

Grays Harbor County property record for 22 Ridgetop Ln, Elma, WA 98541

Property Summary

Property Type	Single Family Home
Details	1,510 sqft · built 2016
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Oct 2018)
Tax Bill	$3,859 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`735800000400`

Property Details

APN / Parcel Number

Primary APN	`735800000400`

Interior

Stories	1 Story
Building Area	1,510 sqft Living Area
Gross Area	2,038 sqft
1st Floor Area	1,510 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Foundation Type	Concrete
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	528 sqft

Location & Zoning

Street Address	22 RIDGETOP LN
City	ELMA
State	WA
Zip	98541-8613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGE AT GARDEN HILL LOT 4
Legal Range	26
Legal Township	06
Legal Section	18
Legal Subdivision	RIDGE AT GARDEN HILL
Legal Lot Number	4
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	ELMA
Census Block Group	2
Census Block	2000
Census Tract	502

Owner

22 Ridgetop Ln is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 RIDGETOP LN, ELMA, WA 98541-8613
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
Jan 22, 2021	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
Oct 26, 2018	Warranty Deed, Transfer · VA Mortgage USAA
Apr 24, 2017	Warranty Deed, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2018 · Amount on File
Deed Sale	Oct 26, 2018 · Amount on File
Prior Sale	Apr 24, 2017 · Amount on File
Deed Document Number	201828
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	22 RIDGETOP LN, ELMA, WA 98541-8613
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001220077
Date	Jan 22, 2021
Instrument	2021-01220077

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Oct 26, 2018
Property Address	22 RIDGETOP LN, ELMA, WA 98541-8613
Document Number	0010260028
Instrument Date	Oct 23, 2018
Instrument	10260028
Transaction Type	Transfer
Record Updated	Nov 15, 2018
Title Company	PACIFIC TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,365.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	22 RIDGETOP LN ELMA WA 985418613, ELMA, WA 98541-8613

Mortgage

Document Number	10260029
Date	Oct 26, 2018
Instrument	10260029

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2048

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Apr 24, 2017
Property Address	22 RIDGETOP LN, ELMA, WA 98541-8613
Document Number	0004240046
Instrument Date	Apr 19, 2017
Instrument	2017-04240046
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,720.00
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	22 RIDGETOP LN, ELMA, WA 98541-8613

Mortgage

Document Number	0004240047
Date	Apr 24, 2017
Instrument	2017-04240047

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 22 Ridgetop Ln was $3,859.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,859.00
2025		$429,373 (-) Land $81,250 Building $348,123	$429,373 (-) Land $81,250 Building $348,123
2024	$3,774.00 (+4.63%)	$429,373 Land $81,250 Building $348,123	$429,373 Land $81,250 Building $348,123
2023	$3,607.00
2022		$396,589 Land $81,250 Building $315,339	$396,589 Land $81,250 Building $315,339

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

Flood

FEMA maps place 22 Ridgetop Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2023

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 22 Ridgetop Ln 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.

Drinking Water

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

Water System	CITY OF ELMA serves 6,638 people · EPA ID WA5323100
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	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	2 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Ridgetop Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures