401 N 3rd St, Elma, WA 98541 Property Records

Grays Harbor County property record for 401 N 3rd St, Elma, WA 98541

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,587 sqft · built 1901
Lot Size	0.097 acres (4,202 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Nov 2021)
Tax Bill	$1,619 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045501200200`

Property Details

APN / Parcel Number

Primary APN	`045501200200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,587 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Architectural Style	Multi-Level
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	4,202 sqft (0.097 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	178 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	401 N 3RD ST
City	ELMA
State	WA
Zip	98541-9284
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MARTINS PTN OF LOT 2 BLK 12
Legal Range	35
Legal Township	06
Legal Section	18
Legal Subdivision	MARTINS
Legal Block	12
Legal Lot Number	2
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	ELMA
Census Block Group	2
Census Block	2033
Census Tract	502

Owner

401 N 3rd St is owned and occupied by two individuals who bought it in November 2021.

Source: Grays Harbor County records, as of October 20, 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	401 N 3RD ST, ELMA, WA 98541-9284
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2021 · Amount on File
Deed Sale	Nov 10, 2021 · Amount on File
Prior Sale	May 23, 2012 · Amount on File
Deed Document Number	202171
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Nov 10, 2021
Property Address	401 N 3RD ST, ELMA, WA 98541-9284
Document Number	0011100071
Map Reference	VOL 1 PG 156
Instrument Date	Oct 25, 2021
Instrument	2021-11100071
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	PACIFIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,570.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N 3RD ST, ELMA, WA 98541-9284

Mortgage

Document Number	0011100072
Date	Nov 10, 2021
Instrument	2021-11100072

Lender

Name	DARCI DAY
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	299 Months
Due	Oct 26, 2046

Tax Assessment & Valuation

The 2026 property tax bill for 401 N 3rd St was $1,619.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,619.00
2025		$178,430 (-) Land $37,555 Building $140,875	$178,430 (-) Land $37,555 Building $140,875
2024	$1,776.00	$178,430 Land $37,555 Building $140,875	$178,430 Land $37,555 Building $140,875

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

Flood

FEMA maps place 401 N 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 401 N 3rd St is low, with 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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% 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	CITY OF ELMA serves 6,638 people · EPA ID WA5323100
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2021–2023) 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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20