38428 State Rte 20, Concrete, WA 98237 Property Records

Skagit County property record for 38428 State Rte 20, Concrete, WA 98237

Property Summary

Property Type	Mobile Home
Details	2 bd · 1.5 ba · 924 sqft · built 1976
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Sep 2026)
Tax Bill	$2,469 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Mar 2024 Sale & Mortgage + 2 more
APN	`350716-2-002-0206`

Property Details

APN / Parcel Number

Primary APN	`350716-2-002-0206`
Alternative APN	`P42778`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	924 sqft Living Area
Gross Area	1,356 sqft
1st Floor Area	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2001
Exterior Material	Wood
Construction Type	Frame
Roof Type	Flat
Roof Material	Metal
Lot Area	87,120 sqft (2 acres)
Garage Type	Detached
Garage Area	1,536 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	912 sqft
Shed	1 Shed
Shed Area	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	38428 STATE ROUTE 20
City	CONCRETE
State	WA
Zip	98237-9462
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	(2.0000 AC) (TITLE ELIMINATION AF#202205230083 FOR MANUFACTURED HOME 1976 HILLCREST 70X14 VIN#02950596J) LOT B, SKAGIT COUNTY SHORT PLAT NO. 28-75, APPROVED AND RECORDED JULY 16, 1975 UNDER AF#820654 IN VOLUME 1 OF SHORT PLATS, PAGE 46, RECORDS OF SK
Legal Range	07
Legal Township	35
Legal Section	16
Legal Subdivision	SKAGIT COUNTY SHORT PLAT
Legal Tract	B
Legal Block	1
Legal Lot Number	B
Jurisdiction	SKAGIT WA
Township / Civil Division	LYMAN-HAMILTON
Census Block Group	1
Census Block	1052
Census Tract	951000

Owner

Source: Skagit County records, as of September 22, 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 Record
Mailing Address	500 ELM ST, HAMILTON, WA 98255
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL
Mar 15, 2024	Warranty Deed, Transfer · Conventional Mortgage BANNER BANK
Aug 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANNER BANK
Apr 30, 2018	Warranty Deed, Transfer FISHER CARL L (ES)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2026 · Amount on Record
Deed Sale	Sep 17, 2026 · Amount on Record
Prior Sale	Mar 15, 2024 · Amount on Record
Deed Document Number	2026091744
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SKAGIT WA
Recording Date	Sep 17, 2026
Property Address	38428 STATE ROUTE 20, CONCRETE, WA 98237-9462
Document Number	0000000044
Instrument Date	Sep 6, 2026
Instrument	202644
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 ELM ST, HAMILTON, WA 98255

Mortgage

Document Number	0000000045,
Date	Sep 17, 2026
Instrument	20261745

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SKAGIT WA
Recording Date	Mar 15, 2024
Property Address	38428 STATE ROUTE 20, CONCRETE, WA 98237-9462
Document Number	0000000017
Map Reference	AF820654 VOL1 PG46
Instrument Date	Mar 11, 2024
Instrument	202403150017
Transaction Type	Transfer
Record Updated	Mar 25, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,005.00
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	38426 STATE ROUTE 20, CONCRETE, WA 98237-9462

Mortgage

Document Number	0000000018
Date	Mar 15, 2024
Instrument	202403150018

Lender

Name	BANNER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SKAGIT WA
Property Address	38428 STATE ROUTE 20, CONCRETE, WA 98237-9462
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	LAND TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000009
Date	Aug 17, 2022
Instrument	202208170009

Lender

Name	BANNER BANK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2042

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SKAGIT WA
Recording Date	Apr 30, 2018
Property Address	38428 STATE ROUTE 20, CONCRETE, WA 98237-9462
Document Number	0004300074
Instrument Date	Apr 26, 2018
Instrument	4300074
Transaction Type	Transfer
Record Updated	Jan 21, 2019

Transaction

Amount	Amount Recorded
Tax	$4,544.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	38428 STATE ROUTE 20 CONCRETE WA 982379462, CONCRETE, WA 98237-9462

Mortgage

Document Number	4300075
Date	Apr 30, 2018
Instrument	4300075

Lender

Name	FISHER CARL L (ES)
Address	VISTA, CA 92084

Agreement

Term	60 Months
Due	Apr 29, 2023

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Skagit County
Unified School District	Concrete School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,469.00 (-10.09%)	$289,500 (-12.22%) Land $173,800 Building $115,700	$289,500 (-12.22%) Land $173,800 Building $115,700
2023	$2,746.00
2022		$329,800 Land $155,400 Building $174,400	$329,800 Land $155,400 Building $174,400

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	319 (1979–2025)
Claims Outside the SFHA	4 of 319
Most Recent Claim	Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms And Flooding, Oct 2003 · 77 claims Severe Storms, High Wind, And Flooding, Dec 1995 · 69 claims Severe Storms & Flooding, Dec 1990 · 55 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SKAGIT CO WATER DISTRICT #1 serves 1,974 people · EPA ID WA5300392
Water Source	Groundwater
Last State Inspection	Sep 2024
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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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