26222 Montera Loop NE, Kingston, WA 98346 Property Records

Kitsap County property record for 26222 Montera Loop NE, Kingston, WA 98346

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,836 sqft · built 2000
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$307,500 (May 2015)
Tax Bill	$6,082 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`5222-000-034-0001`

Property Details

APN / Parcel Number

Primary APN	`5222-000-034-0001`
Alternative APN	`2165124`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,836 sqft Living Area
Gross Area	3,376 sqft
1st Floor Area	1,808 sqft
Basement Area	1,028 sqft
Finished Basement	1,028 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Terrain	High
Garage Type	Attached
Garage Area	540 sqft

Exterior Amenities

Porch	Patio
Deck Area	112 sqft
Patio Area	24 sqft
Canopy	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	26222 MONTERA LOOP NE
City	KINGSTON
State	WA
Zip	98346-9442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UL
Legal Description	LOT 34, KINGSTON HILL DIVISION 2, ACCORDING TO THE PLAT THEREOF, RECORDED IN VOLUME 27 OF PLATS, PAGES 88 THROUGH 92, INCLUSIVE, IN KITSAP COUNTY. SITUATE IN KITSAP COUNTY, WASHINGTON.
Legal Range	2E
Legal Township	27
Legal Section	26
Legal Subdivision	KINGSTON HILL DIVISION 2
Legal Block	3
Legal Lot Number	34
Jurisdiction	KITSAP WA
Township / Civil Division	KINGSTON
Census Block Group	3
Census Block	3016
Census Tract	90102

Owner

Source: Kitsap County records, as of September 16, 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	26222 MONTERA LOOP NE, KINGSTON, WA 98346-9442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage RM FINANCIAL
Sep 15, 2021	Deed of Trust, Mortgage · Line of Credit KITSAP CU
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Dec 7, 2019	Deed of Trust, Mortgage · Line of Credit KITSAP CU
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FNDG
Sep 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FNDG
Mar 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2015 · Amount on Record
Deed Sale	May 15, 2015 · Amount on Record
Prior Sale	Apr 15, 2010 · Amount on Record
Deed Document Number	201554
Prior Transfer Date	Dec 5, 2000
Prior Transfer Doc	0000000046
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Recording Date	Apr 1, 2026
Property Address	26222 MONTERA LOOP NE, KINGSTON, WA 98346-9442
Document Number	0000000108
Instrument Date	Mar 25, 2026
Instrument	2026108
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26222 MONTERA LOOP NE, KINGSTON, WA 98346-9442

Mortgage

Document Number	0000000108,
Date	Apr 1, 2026
Instrument	2026108

Lender

Name	RM FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	26222 MONTERA LOOP NE, KINGSTON, WA 98346-9442
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000014
Date	Sep 15, 2021
Instrument	202109150014

Lender

Name	KITSAP CU
Type	Credit Union
Address	BREMERTON, WA 98337

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Sep 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	26222 MONTERA LOOP NE, KINGSTON, WA 98346-9442
Document Number	0006150064
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	LAND TITLE COMPANY-SILVERDALE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26222 MONTERA LOOP NE KINGSTON WA 983469442, KINGSTON, WA 98346-9442

Mortgage

Document Number	0006150064
Date	Jun 15, 2020
Instrument	202006150064

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	26222 MONTERA LOOP NE, KINGSTON, WA 98346-9442
Document Number	0012120146
Instrument Date	Dec 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26222 MONTERA LOOP NE KINGSTON WA 983469442, KINGSTON, WA 98346-9442

Mortgage

Document Number	0012120146
Date	Dec 12, 2019
Instrument	201912120146

Lender

Name	KITSAP CU
Address	BREMERTON, WA 98337-1434

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Dec 11, 2041

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	26222 MONTERA LOOP NE, KINGSTON, WA 98346-9442
Document Number	0009260093
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26222 MONTERA LOOP NE KINGSTON WA 983469442, KINGSTON, WA 98346-9442

Mortgage

Document Number	0009260093
Date	Sep 26, 2019
Instrument	201909260093

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	26222 MONTERA LOOP NE, KINGSTON, WA 98346-9442
Document Number	0009270144
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26222 MONTERA LOOP NE KINGSTON WA 983469442, KINGSTON, WA 98346-9442

Mortgage

Document Number	0009270144
Date	Sep 27, 2017
Instrument	201709270144

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	26222 MONTERA LOOP NE, KINGSTON, WA 98346-9442
Document Number	0003210153
Instrument Date	Mar 16, 2017
Transaction Type	Mortgage
Record Updated	Apr 3, 2017
Title Company	PACIFIC NORTHWEST TITLE INSURANCE, PACIFIC NW TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	262222 MONTERA LOOP NE KINGSTON WA 98346, KINGSTON, WA 98346

Mortgage

Document Number	0003210153
Date	Mar 21, 2017
Instrument	201703210153

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027		$652,270 (-) Land $126,230 Building $526,040	$652,270 (-) Land $126,230 Building $526,040
2026	$6,082.00 (-2.47%)	$652,270 (-4.28%) Land $126,230 Building $526,040	$652,270 (-4.28%) Land $126,230 Building $526,040
2025	$6,236.00 (+5.71%)
2024	$5,899.00 (+4.89%)	$681,420 (+6.5%) Land $112,700 Building $568,720	$681,420 (+6.5%) Land $112,700 Building $568,720
2023	$5,624.00	$639,820 Land $98,180 Building $541,640	$639,820 Land $98,180 Building $541,640

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 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (1996–1999)
Most Recent Claim	Feb 1999 · rainfall accumulation

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	NORTH PENINSULA serves 16,449 people · EPA ID WA5305122
Water Source	Groundwater
Last State Inspection	Jul 2021
Lead	2 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	1 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 291 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Kitsap PUD.

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