26228 Montera Loop NE, Kingston, WA 98346 Property Records

Kitsap County property record for 26228 Montera Loop NE, Kingston, WA 98346

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,677 sqft · built 1994
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Nov 2020)
Tax Bill	$5,010 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5222-000-035-0000`

Property Details

APN / Parcel Number

Primary APN	`5222-000-035-0000`
Alternative APN	`2165132`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,677 sqft Living Area
1st Floor Area	945 sqft
2nd Floor Area	732 sqft
Flooring	Combination, Other
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Split Level
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	872 sqft
Parking Spaces	3 Parking Spaces
Deck Area	25 sqft
Patio Area	25 sqft
Canopy	15 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	2165132
Street Address	26228 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 35, KINGSTON HILL DIVISION 2, ACCORDING TO THE PLAT THEREOF, RECORDED IN VOLUME 27 OF PLATS, PAGES 88 THROUGH 92,
Legal Range	02E
Legal Township	27
Legal Section	26
Legal Quarter	SW
Legal Subdivision	KINGSTON HILL DIVISION 2
Legal Lot Number	35
Jurisdiction	KITSAP WA
Township / Civil Division	KINGSTON
Census Block Group	3
Census Block	3016
Census Tract	90102

Owner

Source: Kitsap County records, as of February 5, 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 Record
Mailing Address	26228 MONTERA LOOP NE, KINGSTON, WA 98346-9442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 20, 2020	Warranty Deed, Transfer · Conventional Mortgage PENRITH HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Prior Sale	Apr 1, 2014 · Amount on Record
Deed Document Number	2020EX08648
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	26228 MONTERA LOOP NE, KINGSTON, WA 98346-9442
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	PACIFIC NORTHWEST TITLE INSURANCE, PACIFIC NORTHWEST TTL SILVER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000079
Date	Aug 6, 2021
Instrument	202108060079

Lender

Name	ROCKET MORTGAGE LLC
Type	Non-Lending Institution
Address	DETROIT, MI 48226

Agreement

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

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KITSAP WA
Recording Date	Nov 20, 2020
Property Address	26228 MONTERA LOOP NE, KINGSTON, WA 98346-9442
Document Number	0011200202
Instrument Date	Nov 18, 2020
Instrument	202011200202
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	FIRST AMERICAN TITLE - PUYALLUP ESCROW, FIRST AMERICAN TITLE - PUYALLU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,005.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26228 MONTERA LOOP NE KINGSTON WA 983469442, KINGSTON, WA 98346-9442

Mortgage

Document Number	11200203
Date	Nov 20, 2020
Instrument	202011200203

Lender

Name	PENRITH HM LNS
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2050

Tax Assessment & Valuation

Source: Kitsap County assessment roll, as of May 31, 2025

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
2026	$5,010.00 (+1.5%)	$549,860 (-3.57%) Land $126,230 Building $423,630	$549,860 (-3.57%) Land $126,230 Building $423,630
2024	$4,936.00 (+5.18%)	$570,230 (+6.8%) Land $112,700 Building $457,530	$570,230 (+6.8%) Land $112,700 Building $457,530
2023	$4,693.00	$533,920 Land $98,180 Building $435,740	$533,920 Land $98,180 Building $435,740

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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