28221 Ben Howard Rd, Monroe, WA 98272 Property Records

Snohomish County property record for 28221 Ben Howard Rd, Monroe, WA 98272

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,320 sqft · built 1980
Lot Size	6 acres (261,360 sqft)
Owner	Individual Name on Record
Last Sale	$307,500 (May 1995)
Tax Bill	$7,737 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`0712-003-007-00`

Property Details

APN / Parcel Number

Primary APN	`0712-003-007-00`
Alternative APNs	`270712-003-007-00` `12270730070005` `122707300700` `321835`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	7 Rooms
Units	3 Units
Stories	1 Story
Building Area	3,320 sqft Living Area
1st Floor Area	3,320 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Metal
Lot Area	261,360 sqft
View / Lot	Average

Exterior Amenities

Porch	Patio
Porch Area	40 sqft
Deck Area	1,532 sqft
Patio Area	1,532 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	321835
Street Address	28221 BEN HOWARD RD
City	MONROE
State	WA
Zip	98272-9266
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-10
Legal Description	SEC 12 TWP 27 RGE 07 TH PTN E 400FT SW1/4 LY S OF SKYKOMISH RIV EXC TH PTN THOF LY S OF BEN HOWARD CO RD EXC TH PTN THOF DEEDED TO SNO CO PER AF NOS 521420 & 2261324
Legal Range	07
Legal Township	27
Legal Section	12
Legal Block	123
Legal Lot Number	7
Jurisdiction	SNOHOMISH WA
Township / Civil Division	SULTAN
Census Block Group	1
Census Block	1008
Census Tract	53801

Owner

Source: Snohomish County records, as of September 18, 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	28221 BEN HOWARD RD, MONROE, WA 98272-9266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Jun 29, 2018	Deed of Trust, Mortgage · FHA Mortgage ACADEMY MORTGAGE CORP
Aug 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 1995 · Amount on Record
Deed Sale	May 24, 1995 · Amount on Record
Deed Document Number	1995462
Deed Book / Page	3032 / 996
Last Transfer Date	Jun 19, 1996
Transfer Doc	0000000969
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Recording Date	Jul 27, 2026
Property Address	28221 BEN HOWARD RD, MONROE, WA 98272-9266
Document Number	0000000053
Instrument Date	Jul 17, 2026
Instrument	202653
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000053,
Date	Jul 27, 2026
Instrument	202653

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 12, 2046

Interest

Rate	6.47%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	28221 BEN HOWARD RD, MONROE, WA 98272-9266
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	RAINIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202106240173
Date	Jun 24, 2021
Instrument	202106240173

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	28221 BEN HOWARD RD, MONROE, WA 98272-9266
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000079
Date	Jun 29, 2018
Instrument	201806290079

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	28221 BEN HOWARD RD, MONROE, WA 98272-9266
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RAINIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000204
Date	Aug 5, 2019
Instrument	201908050204

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Snohomish County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Snohomish County
Unified School District	Sultan School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,737.00 (+18.05%)	$876,400 (+4.93%) Land $376,800 Building $499,600	$876,400 (+4.93%) Land $376,800 Building $499,600
2023	$6,554.00	$835,200 Land $277,000 Building $558,200	$835,200 Land $277,000 Building $558,200

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 March 17, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 28 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	117 (1979–2026)
Claims Outside the SFHA	4 of 117
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 16 claims Severe Storms, Flooding, Landslides, And Mudslides, Nov 2006 · 21 claims Severe Storms & Flooding, Nov 1990 · 28 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Ziply Fiber DSL	115 / 7

Cell Coverage

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

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