404 Bluff St, Winthrop, WA 98862 Property Records

Okanogan County property record for 404 Bluff St, Winthrop, WA 98862

Property Summary

Property Type	Duplex
Details	1,736 sqft · built 2005
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$698,500 (Nov 2025)
Tax Bill	$3,381 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Feb 2023 Transfer + 3 more
APN	`8869910300`

Property Details

APN / Parcel Number

Primary APN	`8869910300`
Alternative APN	`881173`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,736 sqft Living Area
1st Floor Area	868 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Patio Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	404 BLUFF ST
City	WINTHROP
State	WA
Zip	98862-9745
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 3 RIVERS END SHORT PLAT AMENDED
Legal Range	21
Legal Township	34
Legal Section	02
Legal Subdivision	RIVERS END
Legal Lot Number	3
Jurisdiction	OKANOGAN WA
Township / Civil Division	METHOW VALLEY
Census Block Group	3
Census Block	3047
Census Tract	970900

Owner

Source: Okanogan County records, as of May 21, 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	404 BLUFF ST, WINTHROP, WA 98862-9745
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Warranty Deed, Transfer JERRY & LILA MERZ LIVING TRUST
Feb 6, 2023	Intrafamily Transfer, Transfer
Jun 30, 2017	Bargain and Sale Deed, Transfer BAINES TITLE COMPANY, BAINES TITLE CO
Jun 26, 2007	Warranty Deed, Transfer TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE INS CO
Jan 24, 2005	Warranty Deed, Transfer TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Jun 30, 2017 · Amount on Record
Deed Document Number	20253288010
Prior Transfer Date	Jan 20, 2023
Prior Transfer Doc	0003269953
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKANOGAN WA
Recording Date	Nov 7, 2025
Property Address	404 BLUFF ST, WINTHROP, WA 98862-9745
Document Number	0003288010
Map Reference	VOL A-3 PG 164 AF NO
Instrument Date	Oct 31, 2025
Instrument	3288010
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	WFG NATIONAL TITLE COMPANY/ESTN WA LLC, WFG NATL TTL CO OF EASTERN W

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,747.05
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	PO BOX 1202, ANACORTES, WA 98221-6202
Investor	Possibly a Property Investor

Mortgage

Document Number	0003288011
Date	Nov 7, 2025
Instrument	3288011

Lender

Name	JERRY & LILA MERZ LIVING TRUST
Type	Private Party

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Nov 28, 2035

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKANOGAN WA
Recording Date	Feb 6, 2023
Property Address	404 BLUFF ST, WINTHROP, WA 98862-9745
Document Number	0003269953
Instrument Date	Jan 20, 2023
Instrument	3269953
Transaction Type	Transfer
Record Updated	May 12, 2026

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
Relationship	Living Trust
Address	217 TWISP RIVER RD, TWISP, WA 98856-9786

June 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	OKANOGAN WA
Recording Date	Jun 30, 2017
Property Address	404 BLUFF ST, WINTHROP, WA 98862-9745
Document Number	0003217935
Map Reference	VOL A-3 PG164
Instrument Date	Jun 26, 2017
Instrument	3217935
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	BAINES TITLE COMPANY, BAINES TITLE CO

Transaction

Amount	Amount Recorded
Tax	$6,507.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 TWISP RIVER RD, TWISP, WA 98856-9786

June 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKANOGAN WA
Recording Date	Jun 26, 2007
Property Address	404 BLUFF ST, WINTHROP, WA 98862-9745
Document Number	0003120239
Map Reference	MB A-3 PG164
Instrument Date	Jun 20, 2007
Instrument	3120239
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$5,972.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKANOGAN WA
Recording Date	Jan 24, 2005
Property Address	404 BLUFF ST, WINTHROP, WA 98862-9745
Document Number	0003084661
Map Reference	MB A-3 PG164
Instrument Date	Jan 10, 2005
Instrument	3084661
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

Amount	Amount Recorded
Tax	$918.00
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	PO BOX 6, NORTH LAKEWOOD, WA 98259-0006
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$3,381.00 (-0.29%)	$431,500 (-) Land $79,400 Building $352,100	$431,500 (-) Land $79,400 Building $352,100
2025		$431,500 (-) Land $79,400 Building $352,100	$431,500 (-) Land $79,400 Building $352,100
2024	$3,391.00	$431,500 (-) Land $79,400 Building $352,100	$431,500 (-) Land $79,400 Building $352,100
2023		$431,500 (-) Land $79,400 Building $352,100	$431,500 (-) Land $79,400 Building $352,100
2022		$431,500 Land $79,400 Building $352,100	$431,500 Land $79,400 Building $352,100

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
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

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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