400 Bluff St, Winthrop, WA 98862 Property Records

Okanogan County property record for 400 Bluff St, Winthrop, WA 98862

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,200 sqft · built 1920
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (May 2013)
Tax Bill	$4,776 (2026)
Deeds & Mortgages	Oct 2020 Line of Credit Sep 2022 Second Mortgage + 2 more
APN	`8869910200`

Property Details

APN / Parcel Number

Primary APN	`8869910200`
Alternative APN	`881172`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,200 sqft Living Area
Gross Area	2,398 sqft
1st Floor Area	1,016 sqft
Basement Area	1,184 sqft
Finished Basement	1,184 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	10,454 sqft (0.24 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	358 sqft
Deck Area	Deck Area
Patio Area	30 sqft
Cabin	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	400 BLUFF ST
City	WINTHROP
State	WA
Zip	98862-9745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 L/W5 RIVERS END SHORT PLAT AMENDED
Legal Range	21
Legal Township	34
Legal Section	02
Legal Subdivision	RIVERS END
Legal Lot Number	2
Jurisdiction	OKANOGAN WA
Township / Civil Division	METHOW VALLEY
Census Block Group	3
Census Block	3047
Census Tract	970900

Owner

400 Bluff St is owned by two individuals who bought it in May 2013.

Source: Okanogan County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 185, WINTHROP, WA 98862-0185
Owner Type	Individual
Vesting	Married Couple

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
Oct 30, 2020	Deed of Trust, Mortgage · Line of Credit VERITY CU
Sep 15, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BANNER BANK
Sep 8, 2022	Warranty Deed, Transfer · Conventional Mortgage BANNER BANK
Aug 2, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2013 · Amount on File
Deed Sale	May 6, 2013 · Amount on File
Prior Sale	May 6, 2013 · Amount on File
Deed Document Number	20133182078
Prior Transfer Date	Sep 2, 2009
Prior Transfer Doc	0003149095
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKANOGAN WA
Property Address	400 BLUFF ST, WINTHROP, WA 98862-9745
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	BAINES TITLE COMPANY, BAINES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003247413
Date	Oct 30, 2020
Instrument	3247413

Lender

Name	VERITY CU
Type	Credit Union
Address	SEATTLE, WA 98133

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKANOGAN WA
Property Address	400 BLUFF ST, WINTHROP, WA 98862-9745
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53314 W FERNDALE RD, MILTON FREEWATER, OR 97862-7928

Mortgage

Document Number	0003267226
Date	Sep 15, 2022
Instrument	3267226

Lender

Name	BANNER BANK
Type	Bank
Address	COEUR D ALENE, ID 83814

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKANOGAN WA
Recording Date	Sep 8, 2022
Property Address	400 BLUFF ST, WINTHROP, WA 98862-9745
Document Number	0003267058
Instrument Date	Aug 29, 2022
Instrument	3267058
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL 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	PO BOX 185, WINTHROP, WA 98862-0185

Mortgage

Document Number	0003267059
Date	Sep 8, 2022
Instrument	3267059

Lender

Name	BANNER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKANOGAN WA
Recording Date	Aug 2, 2021
Property Address	400 BLUFF ST, WINTHROP, WA 98862-9745
Document Number	0003256241
Instrument Date	Jul 27, 2021
Instrument	3256241
Transaction Type	Transfer
Record Updated	Oct 31, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 400 Bluff St was $4,776.

Source: Okanogan County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Okanogan County
Municipality	Winthrop Town
Unified School District	Methow Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,776.00	$610,500 (+6.66%) Land $77,900 Building $532,600	$610,500 (+6.66%) Land $77,900 Building $532,600
2025		$572,400 Land $77,900 Building $494,500	$572,400 Land $77,900 Building $494,500
2024	$4,195.00
2023		$534,400 (+16.6%) Land $77,900 Building $456,500	$534,400 (+16.6%) Land $77,900 Building $456,500
2022		$458,300 Land $77,900 Building $380,400	$458,300 Land $77,900 Building $380,400

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 400 Bluff St; there have been 1 flood claim nearby since 2018.

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	9 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	May 2018 · Flooding

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 400 Bluff St is high, ranking above 81% of the US, with a 0.7% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 81% of the US · above 58% of Washington
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF WINTHROP serves 1,350 people · EPA ID WA5397750
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	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	6 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	80 / 10
Methownet Fixed Wireless · Fiber in parts of the area	25 / 5
T-Mobile Fixed Wireless	25 / 3

May also be available: Swift-Stream Internet, Verizon.

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