2650 Cedar St E, Port Orchard, WA 98366 Property Records

Kitsap County property record for 2650 Cedar St E, Port Orchard, WA 98366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,227 sqft · built 2018
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Sep 2018)
Tax Bill	$4,474 (2026)
Deeds & Mortgages	May 2026 Mortgage Nov 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`212402-1-053-2005`

Property Details

APN / Parcel Number

Primary APN	`212402-1-053-2005`
Alternative APN	`1199777`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,227 sqft Living Area
Gross Area	2,636 sqft
1st Floor Area	1,253 sqft
2nd Floor Area	974 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Multi-Level
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	29,185 sqft (0.67 acres)
View / Lot	Poor
Garage Type	Attached
Garage Area	409 sqft
Parking Spaces	2 Parking Spaces
Deck Area	228 sqft
Patio Area	20 sqft
Canopy	248 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	2650 CEDAR ST E
City	PORT ORCHARD
State	WA
Zip	98366-8474
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MVLR
Legal Description	LOT 3 OF SHORT PLAT NO. 710, AS RECORDED UNDER AUDITORS FILE NO. 1158753 AND AMENDED UNDER AUDITORS FILE NO. 8410220154, BEING A PORTION OF THE SOUTHWEST QUARTER OF THE NORTHEAST QUARTER OF SECTION 21, TOWNSHIP 24 NORTH, RANGE 2 EAST, W.M., SITUATE I
Legal Range	2E
Legal Township	24
Legal Section	21
Legal Subdivision	SP 710
Legal Block	2
Legal Lot Number	3
Jurisdiction	KITSAP WA
Township / Civil Division	PORT ORCHARD
Census Block Group	2
Census Block	2037
Census Tract	92600

Owner

2650 Cedar St E is owned and occupied by two individuals who bought it in September 2018.

Source: Kitsap County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2650 CEDAR ST E, PORT ORCHARD, WA 98366-8474
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
May 20, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Nov 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENINSULA COMMUNITY FCU
Aug 5, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Sep 24, 2019	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MTG
Sep 24, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2018 · Amount on File
Deed Sale	Sep 24, 2018 · Amount on File
Prior Sale	Oct 16, 2012 · Amount on File
Deed Document Number	2018178
Prior Transfer Date	Jun 15, 2009
Prior Transfer Doc	0000000061
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Recording Date	May 20, 2026
Property Address	2650 CEDAR ST E, PORT ORCHARD, WA 98366-8474
Document Number	0000000134
Instrument Date	May 12, 2026
Instrument	2026134
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2650 CEDAR ST E, PORT ORCHARD, WA 98366-8474

Mortgage

Document Number	0000000134,
Date	May 20, 2026
Instrument	2026134

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	2650 CEDAR ST E, PORT ORCHARD, WA 98366-8474
Transaction Type	Mortgage
Record Updated	Dec 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000024
Date	Nov 17, 2023
Instrument	202311170024

Lender

Name	PENINSULA COMMUNITY FCU
Type	Credit Union
Address	SHELTON, WA 98584

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2043

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	2650 CEDAR ST E, PORT ORCHARD, WA 98366-8474
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000059
Date	Aug 5, 2021
Instrument	202108050059

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	2650 CEDAR ST E, PORT ORCHARD, WA 98366-8474
Document Number	0009300176
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	LAND TITLE COMPANY-SILVERDALE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2650 CEDAR ST E PORT ORCHARD WA 983668474, PORT ORCHARD, WA 98366-8474

Mortgage

Document Number	0009300176
Date	Sep 30, 2019
Instrument	201909300176

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

September 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KITSAP WA
Recording Date	Sep 24, 2018
Property Address	2650 CEDAR ST E, PORT ORCHARD, WA 98366-8474
Document Number	0009240178
Instrument Date	Sep 24, 2018
Instrument	201809240178
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 9, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,057.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2650 CEDAR ST E PORT ORCHARD WA 98366, PORT ORCHARD, WA 98366

Mortgage

Document Number	9240179
Date	Sep 24, 2018
Instrument	201809240179

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 2650 Cedar St E was $4,474, up 16.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027		$555,560 (+21.17%) Land $133,220 Building $422,340	$555,560 (+21.17%) Land $133,220 Building $422,340
2026	$4,474.00 (+16.3%)	$458,480 (-) Land $100,000 Building $358,480	$458,480 (-) Land $100,000 Building $358,480
2025	$3,847.00 (+3.16%)	$458,480 (-) Land $100,000 Building $358,480	$458,480 (-) Land $100,000 Building $358,480
2024	$3,729.00 (+0.67%)	$458,480 (-) Land $100,000 Building $358,480	$458,480 (-) Land $100,000 Building $358,480
2023	$3,704.00	$458,480 Land $100,000 Building $358,480	$458,480 Land $100,000 Building $358,480

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

Flood

FEMA maps place 2650 Cedar St E in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1986.

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (1986–2011)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2011 · erosion

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

Wildfire risk around 2650 Cedar St E is low, with less than 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 96% of the US · lower than 97.6% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	MANCHESTER WATER DISTRICT serves 10,475 people · EPA ID WA5350700
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	Under 1 ppb (2023–2025) 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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50

May also be available: Kitsap PUD, T-Mobile, Verizon.

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