357 Flatt Rd, Kelso, WA 98626 Property Records

Cowlitz County property record for 357 Flatt Rd, Kelso, WA 98626

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,423 sqft · built 2020
Lot Size	9.93 acres (432,986 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Mar 2019)
Tax Bill	$6,969 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2020 Construction Loan + 2 more
Flood Zone	Zone A (high risk)
APN	`R048607`

Property Details

APN / Parcel Number

Primary APN	`R048607`
Alternative APNs	`6349810` `3048607`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,423 sqft Living Area
Gross Area	3,323 sqft
1st Floor Area	2,423 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Wood Shingle
Roof Material	Composition Shingle
Lot Area	432,986 sqft
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	8 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	3048607
Street Address	357 FLATT RD
City	KELSO
State	WA
Zip	98626-0205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UZ0
Legal Description	692 (WASHBURN S DLC) 2 -8N -2W T-2K-5 EXC POR WITHIN OLD RIVER BED RIVER.
Legal Range	02W
Legal Township	08N
Legal Section	02
Legal Subdivision	WASHBURN S DLC
Jurisdiction	COWLITZ WA
Township / Civil Division	ROSE VALLEY
Census Block Group	1
Census Block	1006
Census Tract	1700

Owner

Source: Cowlitz County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	357 FLATT RD, KELSO, WA 98626-0205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 8, 2020	Trustee's Deed, Construction Loan · Construction Mortgage FIBRE FCU
Mar 15, 2019	Warranty Deed, Transfer · Conventional Mortgage FIBRE FCU
Nov 6, 2019	Correction Deed, Transfer COWLITZ COUNTY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2019 · Amount on Record
Deed Sale	Mar 15, 2019 · Amount on Record
Deed Document Number	20193612280
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COWLITZ WA
Property Address	357 FLATT RD, KELSO, WA 98626-0205
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	COWLITZ COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003661124
Date	Oct 30, 2020
Instrument	3661124

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2020: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	COWLITZ WA
Recording Date	Jan 8, 2020
Property Address	357 FLATT RD, KELSO, WA 98626-0205
Instrument Date	Jan 3, 2020
Instrument	3634904
Transaction Type	Construction Loan
Record Updated	Jan 27, 2020
Title Company	COWLITZ COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	357 FLATT RD KELSO WA 986260205, KELSO, WA 98626-0205

Mortgage

Document Number	0003634904
Date	Jan 8, 2020
Instrument	3634904

Lender

Name	FIBRE FCU
Type	Credit Union
Address	LONGVIEW, WA 98632

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 7, 2021

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COWLITZ WA
Recording Date	Mar 15, 2019
Property Address	357 FLATT RD, KELSO, WA 98626-0205
Document Number	0003612280
Instrument Date	Mar 14, 2019
Instrument	3612280
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	COWLITZ COUNTY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CARRIAGE CT, KELSO, WA 98626-1891

Mortgage

Document Number	0003612281
Date	Mar 15, 2019
Instrument	3612281

Lender

Name	FIBRE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 14, 2039

November 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	COWLITZ WA
Recording Date	Nov 6, 2019
Property Address	357 FLATT RD, KELSO, WA 98626-0205
Document Number	0003630175
Instrument Date	Mar 8, 2019
Instrument	3630175
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	COWLITZ COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	117 CARRIAGE CT KELSO WA 986261891, KELSO, WA 98626-1891

Tax Assessment & Valuation

Source: Cowlitz County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Cowlitz County
Unified School District	Kelso School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,969.00 (+2.89%)	$739,710 (+9.2%) Land $98,280 Building $641,430	$739,710 (+9.2%) Land $98,280 Building $641,430
2023	$6,773.00
2022		$677,360 Land $98,400 Building $578,960	$677,360 Land $98,400 Building $578,960

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 April 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	21 (1986–2026)
Claims Outside the SFHA	11 of 21
Most Recent Claim	Mar 2026 · river or lake flooding
Claims by Event	Severe Winter Storm, Landslides, Mudslides, And Flooding, Jan 2009 · 5 claims Severe Storms, Flooding, Landslides, And Mudslides, Nov 2006 · 5 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	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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fixed Wireless · DSL in parts of the area	1,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon, Xfinity.

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