310 E Cove Rd, Anacortes, WA 98221 Property Records

San Juan County property record for 310 E Cove Rd, Anacortes, WA 98221

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,928 sqft · built 1996
Lot Size	0.18 acres (7,841 sqft)
Owner	Trust Name on File
Last Sale	$515,000 (Jun 2005)
Tax Bill	$4,341 (2023)
Deeds & Mortgages	May 2020 Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`152050-075-000`

Property Details

APN / Parcel Number

Primary APN	`152050-075-000`
Alternative APN	`2278`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,928 sqft Living Area
Gross Area	2,892 sqft
1st Floor Area	964 sqft
Basement Area	964 sqft
Finished Basement	964 sqft
Flooring	Tile
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Other
Exterior Material	Stucco
Roof Material	Metal
Lot Area	7,841 sqft (0.18 acres)
Terrain	Wooded
Garage Type	Carport
Carport	Carport
Carport Area	160 sqft
Deck Area	661 sqft
Patio Area	661 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Forced Air
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	2278
Street Address	310 E COVE RD
City	ANACORTES
State	WA
Zip	98221-4266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DECATUR NW - LOT EC 20 SEC 20, T 35N, R 1W
Legal Range	01W
Legal Township	35N
Legal Section	20
Legal Subdivision	DECATUR NORTHWEST PRCL EC-20
Jurisdiction	SAN JUAN WA
Township / Civil Division	LOPEZ
Census Block Group	1
Census Block	1077
Census Tract	960502

Owner

310 E Cove Rd is held in a trust since September 2015.

Source: San Juan County records, as of October 30, 2023

Owner of Record	Trust Name on File
Mailing Address	310 E COVE RD, ANACORTES, WA 98221-4266
Owner Type	Individual
Vesting	Trust

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, 2020	Deed of Trust, Mortgage · Conventional Mortgage ZENITH HM LNS
Jun 12, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF THE PACIFIC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2005 · Amount on File
Deed Sale	Jun 30, 2005 · Amount on File
Prior Sale	Jul 31, 2015
Deed Document Number	0000630024
Last Transfer Date	Sep 30, 2015
Transfer Doc	0000930048
Record Updated	Jun 7, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	310 E COVE RD, ANACORTES, WA 98221-4266
Document Number	0000604013
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	310 E COVE RD ANACORTES WA 982214266, ANACORTES, WA 98221-4266

Mortgage

Document Number	0000604013
Date	Jun 4, 2020
Instrument	604013

Lender

Name	ZENITH HM LNS
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	310 E COVE RD, ANACORTES, WA 98221-4266
Document Number	0000618030
Instrument Date	Jun 12, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	310 E COVE RD ANACORTES WA 982214266, ANACORTES, WA 98221-4266

Mortgage

Document Number	0000618030
Date	Jun 18, 2019
Instrument	618030

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	ANACORTES, WA 98221

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Juan County assessment roll, as of May 31, 2022

Property Jurisdictions

Type	Name
State	Washington
County	San Juan County
Unified School District	Lopez School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,341.00
2022		$982,470 Land $220,080 Building $762,390	$982,470 Land $220,080 Building $762,390

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

Flood

FEMA maps place 310 E Cove Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	3 (2018–2021)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Nov 2021 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 310 E Cove Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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