40510 196th Ave SE, Enumclaw, WA 98022 Property Records

King County property record for 40510 196th Ave SE, Enumclaw, WA 98022

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.25 ba · 2,370 sqft · built 1977
Lot Size	4.73 acres (206,474 sqft)
Owner	2 Individual Names on Record
Last Sale	$734,850 (Feb 2023)
Tax Bill	$8,587 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`082006-9049`

Property Details

APN / Parcel Number

Primary APN	`082006-9049`
Alternative APN	`082006904906`

Interior

Bedrooms	4 Beds
Full Baths	3.25 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,370 sqft Living Area
Gross Area	3,030 sqft
1st Floor Area	2,370 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	206,474 sqft
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	60 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	082006904906
Street Address	40510 196TH AVE SE
City	ENUMCLAW
State	WA
Zip	98022-9132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-35
Legal Description	W 1/2 OF N 330 FT OF S 990 FT OF SW 1/4 OF NW 1/4 LESS CO RD & LESS POR LY WITHIN S 1/2 OF SD SW 1/4 IF ANY
Legal Range	06
Legal Township	20
Legal Section	08
Legal Block	49
Legal Lot Number	82006
Jurisdiction	KING WA
Township / Civil Division	ENUMCLAW PLATEAU
Census Block Group	5
Census Block	5000
Census Tract	31202

Owner

Source: King County records, as of July 7, 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	40510 196TH AVE SE, ENUMCLAW, WA 98022-9132
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Warranty Deed, Transfer · Conventional Mortgage BOEING EMPLOYEES CU
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Feb 12, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Nov 15, 2019	Deed of Trust, Mortgage · FHA Mortgage BAY EQUITY
Feb 22, 2018	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2023 · Amount on Record
Deed Sale	Feb 1, 2023 · Amount on Record
Prior Sale	Jul 3, 2013 · Amount on Record
Deed Document Number	2023556
Prior Transfer Date	Dec 26, 1985
Prior Transfer Doc	1986111704
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KING WA
Recording Date	Feb 1, 2023
Property Address	40510 196TH AVE SE, ENUMCLAW, WA 98022-9132
Document Number	0000000556
Instrument Date	Jan 26, 2023
Instrument	20230201000556
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,140.33
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40510 196TH AVE SE, ENUMCLAW, WA 98022-9132

Mortgage

Document Number	0000000557
Date	Feb 1, 2023
Instrument	20230201000557

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Mar 1, 2028
Change Frequency	6 Months
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	10.6%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KING WA
Property Address	40510 196TH AVE SE, ENUMCLAW, WA 98022-9132
Transaction Type	Mortgage
Record Updated	Sep 7, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000969
Date	Aug 27, 2021
Instrument	20210827000969

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KING WA
Property Address	40510 196TH AVE SE, ENUMCLAW, WA 98022-9132
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40510 196TH AVE SE, ENUMCLAW, WA 98022-9132

Mortgage

Document Number	0000000480
Date	Feb 12, 2021
Instrument	20210212000480

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Dec 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KING WA
Property Address	40510 196TH AVE SE, ENUMCLAW, WA 98022-9132
Document Number	0000001321
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40510 196TH AVE SE ENUMCLAW WA 980229132, ENUMCLAW, WA 98022-9132

Mortgage

Document Number	0000001321
Date	Nov 22, 2019
Instrument	201911221321

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KING WA
Recording Date	Feb 22, 2018
Property Address	40510 196TH AVE SE, ENUMCLAW, WA 98022-9132
Document Number	0000000577
Instrument Date	Feb 13, 2018
Instrument	201802220577
Transaction Type	Transfer
Record Updated	Feb 28, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40510 196TH AVE SE ENUMCLAW WA 980229132, ENUMCLAW, WA 98022-9132

Mortgage

Document Number	578
Date	Feb 22, 2018
Instrument	201802220578

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2048

Tax Assessment & Valuation

Source: King County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Washington
County	King County
Unified School District	Enumclaw School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,587.00 (+3.5%)
2025		$827,000 (+3.76%) Land $439,000 Building $388,000	$827,000 (+3.76%) Land $439,000 Building $388,000
2024	$8,297.00 (+4.23%)	$797,000 (+1.53%) Land $309,000 Building $488,000	$797,000 (+1.53%) Land $309,000 Building $488,000
2022	$7,960.00	$785,000 Land $305,000 Building $480,000	$785,000 Land $305,000 Building $480,000

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 September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Feb 1996 · High Winds, Severe Storms And 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	Low lower than 94% of the US · lower than 96% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	ENUMCLAW WATER DEPARTMENT serves 23,276 people · EPA ID WA5323600
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Skynet Broadband Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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