320 Central St, Sedro Woolley, WA 98284 Property Records

Skagit County property record for 320 Central St, Sedro Woolley, WA 98284

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,379 sqft · built 1944
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Sep 2025)
Tax Bill	$4,335 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Sep 2025 Mortgage + 4 more
APN	`4166-022-016-0008`

Property Details

APN / Parcel Number

Primary APN	`4166-022-016-0008`
Alternative APN	`P76765`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,379 sqft Living Area
Gross Area	1,439 sqft
1st Floor Area	1,379 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Width	60 ft Width
Garage Type	Carport
Garage Area	599 sqft
Carport	Carport
Carport Area	599 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	174 sqft
Patio Area	95 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	320 CENTRAL ST
City	SEDRO WOOLLEY
State	WA
Zip	98284-1206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(0.1700 AC) LOTS 15 AND 16, BLOCK 22, REPLAT OF JUNCTION TO SEDRO, RECORDED IN VOLUME 3 OF PLATS, PAGE 48, RECORDS OF SKAGIT COUNTY, WASHINGTON.
Legal Range	04
Legal Township	35
Legal Section	24
Legal Subdivision	JUNCTION TO SEDRO
Legal Block	22
Legal Lot Number	15,16
Jurisdiction	SKAGIT WA
Township / Civil Division	SEDRO-WOOLLEY
Census Block Group	1
Census Block	1006
Census Tract	951501

Owner

320 Central St is owned and occupied by two individuals who bought it in September 2025.

Source: Skagit County records, as of September 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	320 CENTRAL ST, SEDRO WOOLLEY, WA 98284-1206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Sep 18, 2025	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
May 24, 2019	Warranty Deed, Subdivision Related Transfer · ARM PEOPLES BANK
Oct 2, 2018	Deed, Transfer EASTSIDE FUNDING LLC
Oct 2, 2018	Quit Claim Deed, Transfer Quitclaim
May 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage SILVER MOON INV PROPS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on File
Deed Sale	Sep 18, 2025 · Amount on File
Prior Sale	May 24, 2019 · Amount on File
Deed Document Number	202555
Prior Transfer Date	Sep 21, 2018
Prior Transfer Doc	0000000053
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SKAGIT WA
Property Address	320 CENTRAL ST, SEDRO WOOLLEY, WA 98284-1206
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000023
Date	Jun 3, 2022
Instrument	202206030023

Lender

Name	PEOPLES BANK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SKAGIT WA
Recording Date	Sep 18, 2025
Property Address	320 CENTRAL ST, SEDRO WOOLLEY, WA 98284-1206
Document Number	0000000055
Map Reference	VOL 3 PG 48
Instrument Date	Sep 17, 2025
Instrument	202509180055
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	GUARDIAN NW TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CENTRAL ST, SEDRO WOOLLEY, WA 98284-1206

Mortgage

Document Number	0000000056
Date	Sep 18, 2025
Instrument	202509180056

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	0000000057
Date	Sep 18, 2025
Instrument	202509180057

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

May 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SKAGIT WA
Recording Date	May 24, 2019
Property Address	320 CENTRAL ST, SEDRO WOOLLEY, WA 98284-1206
Document Number	0000000125
Map Reference	VOL 3 PG 48
Instrument Date	May 15, 2019
Instrument	201905240125
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 17, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,821.15
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CENTRAL ST, SEDRO WOOLLEY, WA 98284-1206

Mortgage

Document Number	0000000126
Date	May 24, 2019
Instrument	201905240126

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	5-Year CMT
Max Rate	9.87%

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SKAGIT WA
Recording Date	Oct 2, 2018
Property Address	320 CENTRAL ST, SEDRO WOOLLEY, WA 98284-1206
Document Number	0000000052
Map Reference	VOL3 PG48
Instrument Date	Sep 24, 2018
Instrument	201810020052
Transaction Type	Transfer
Record Updated	Mar 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3933 LAKE WASHINGTON BLVD NE STE 100, 100, KIRKLAND, WA 98033-7806

Mortgage

Document Number	0000000054
Date	Oct 2, 2018
Instrument	201810020054

Lender

Name	EASTSIDE FUNDING LLC
Type	REO / Foreclosure Company

Agreement

Amount	Amount on Record

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SKAGIT WA
Recording Date	Oct 2, 2018
Property Address	320 CENTRAL ST, SEDRO WOOLLEY, WA 98284-1206
Document Number	0010020053
Instrument Date	Sep 21, 2018
Instrument	10020053
Transaction Type	Transfer
Record Updated	Oct 11, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	320 CENTRAL ST SEDRO SEDRO WOOLLEY WA 98284, SEDRO WOOLLEY, WA 98284

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SKAGIT WA
Property Address	320 CENTRAL ST, SEDRO WOOLLEY, WA 98284-1206
Document Number	0012220022
Instrument Date	May 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CENTRAL AVE SEDRO POLLEY WA, SEDRO POLLEY, WA

Mortgage

Document Number	0012220022
Date	Dec 22, 2017
Instrument	12220022

Lender

Name	SILVER MOON INV PROPS LLC
Address	CENTENNIAL, CO 80015

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	12%

Tax Assessment & Valuation

The 2025 property tax bill for 320 Central St was $4,335.

Source: Skagit County assessment roll, as of November 10, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Skagit County
Municipality	Sedro-Woolley City
Unified School District	Sedro-Woolley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,335.00	$498,300 (+6.16%) Land $179,000 Building $319,300	$498,300 (+6.16%) Land $179,000 Building $319,300
2024		$469,400 Land $185,900 Building $283,500	$469,400 Land $185,900 Building $283,500
2022	$3,919.00
2021		$385,200 Land $146,100 Building $239,100	$385,200 Land $146,100 Building $239,100

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

Flood

FEMA has no flood map on file for 320 Central St; 2 flood insurance policies are in force nearby.

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force

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 320 Central St 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 99.1% of the US · lower than 99.4% 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	SKAGIT COUNTY PUD 1 JUDY RES serves 111,415 people · EPA ID WA5379500
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	Under 1 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	2 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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband.

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