40 McKay St, Malone, WA 98559 Property Records

Grays Harbor County property record for 40 McKay St, Malone, WA 98559

Property Summary

Property Type	Single Family Home
Details	2,792 sqft · built 2005
Lot Size	10.1 acres (439,956 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,704 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`170516330050`

Property Details

APN / Parcel Number

Primary APN	`170516330050`

Interior

Stories	1 Story
Building Area	2,792 sqft Living Area
1st Floor Area	2,792 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	439,956 sqft (10.1 acres)
Porch	Porch
Porch Area	570 sqft
Patio Area	570 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	40 MCKAY ST
City	ELMA
State	WA
Zip	98541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	G5
Legal Description	LOT 2 OF LLS 04-475 VOL 1 PG 99
Legal Range	16
Legal Township	05
Legal Section	17
Legal Subdivision	GRAYS HBR CNTY LARGE LT 2004
Legal Block	163
Legal Lot Number	2
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	MALONE-PORTER
Census Block Group	3
Census Block	3117
Census Tract	700

Owner

Source: Grays Harbor County records, as of October 20, 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	40 MCKAY ST, ELMA, WA 98541
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Mar 12, 2018	Deed of Trust, Mortgage · Line of Credit OUR CMNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 10, 2021
Transfer Doc	0000000064
Record Updated	Oct 29, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAYS HARBOR WA
Recording Date	Mar 17, 2022
Property Address	40 MCKAY ST, MALONE, WA 98559
Document Number	0003170064
Map Reference	AF 2004-08310121
Instrument Date	Dec 10, 2021
Instrument	2022-03170064
Transaction Type	Transfer
Record Updated	May 9, 2023
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	40 MCKAY ST, ELMA, WA 98541

Mortgage

Document Number	0003170065
Date	Mar 17, 2022
Instrument	2022-03170065

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Jan 1, 2037

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	40 MCKAY ST, MALONE, WA 98559
Document Number	0003190043
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	Apr 12, 2018
Title Company	PACIFIC TITLE LC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	40 MCKAY ST MALONE WA 98559, MALONE, WA 98559

Mortgage

Document Number	0003190043
Date	Mar 19, 2018
Instrument	3190043

Lender

Name	OUR CMNTY CU
Address	SHELTON, WA 98584

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 18, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Grays Harbor County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Grays Harbor County
Unified School District	Elma School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,704.00 (+2.89%)
2025		$686,586 (-) Land $157,688 Building $528,898	$686,586 (-) Land $157,688 Building $528,898
2024	$6,516.00	$686,586 Land $157,688 Building $528,898	$686,586 Land $157,688 Building $528,898

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 November 27, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	14 (1981–2015)
Claims Outside the SFHA	6 of 14
Most Recent Claim	Dec 2015 · Severe Winter Storm, Straight-line Winds, Flooding, Landslides, Mudslides, And A T
Claims by Event	Severe Winter Storm, Landslides, Mudslides, And Flooding, Jan 2009 · 4 claims Severe Storms, Flooding, Landslides, And Mudslides, Dec 2007 · 3 claims High Winds, Severe Storms And Flooding, Feb 1996 · 2 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	MALONE private · serves 181 people · EPA ID WA5350600
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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