406 M St, Hoquiam, WA 98550 Property Records

Grays Harbor County property record for 406 M St, Hoquiam, WA 98550

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,193 sqft · built 1910
Lot Size	0.101 acres (4,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Nov 2021)
Tax Bill	$1,699 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Nov 2022 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`051802700103`

Property Details

APN / Parcel Number

Primary APN	`051802700103`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,193 sqft Living Area
1st Floor Area	1,193 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	4,400 sqft (0.101 acres)
Porch	Porch
Porch Area	155 sqft
Patio Area	55 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	406 M ST
City	HOQUIAM
State	WA
Zip	98550-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOQ COR SELY 40 OF NWLY 80 OF LOTS 1 & 2 BLK 27
Legal Range	11
Legal Township	10
Legal Section	17
Legal Subdivision	HOQUIAM
Legal Block	27
Legal Lot Number	1,2
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	ABERDEEN-HOQUIAM
Census Block Group	1
Census Block	1032
Census Tract	1500

Owner

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 Record
Mailing Address	406 M ST, HOQUIAM, WA 98550-3217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 9, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 17, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 5, 2021	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Oct 15, 2018	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2021 · Amount on Record
Deed Sale	Nov 5, 2021 · Amount on Record
Prior Sale	Oct 15, 2018 · Amount on Record
Deed Document Number	202184
Prior Transfer Date	Jul 6, 2008
Prior Transfer Doc	0000000044
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	406 M ST, HOQUIAM, WA 98550-3217
Transaction Type	Mortgage
Record Updated	May 16, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 M ST, HOQUIAM, WA 98550-3217

Mortgage

Document Number	0004250030
Date	Apr 25, 2024
Instrument	2024-04250030

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Nov 1, 2051

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	406 M ST, HOQUIAM, WA 98550-3217
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 M ST, HOQUIAM, WA 98550-3217
Investor	Possibly a Property Investor

Mortgage

Document Number	0011090006
Date	Nov 9, 2022
Instrument	2022-11090006

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Nov 1, 2051

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	406 M ST, HOQUIAM, WA 98550-3217
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0003170014
Date	Mar 17, 2023
Instrument	2023-03170014

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Nov 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Nov 5, 2021
Property Address	406 M ST, HOQUIAM, WA 98550-3217
Document Number	0011050084
Map Reference	VOL 2 PG 1-A
Instrument Date	Nov 3, 2021
Instrument	2021-11050084
Transaction Type	Transfer
Record Updated	Oct 27, 2023
Title Company	COAST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,907.50
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	406 M ST, HOQUIAM, WA 98550-3217
Investor	Possibly a Property Investor

Mortgage

Document Number	0011050085
Date	Nov 5, 2021
Instrument	2021-11050085

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Mortgage

Document Number	0011050086
Date	Nov 5, 2021
Instrument	2021-11050086

Lender

Name	WASHINGTON STATE HOUSING FIN COMMISSION
Type	Government Agency
Address	SEATTLE, WA 98104

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Oct 15, 2018
Property Address	406 M ST, HOQUIAM, WA 98550-3217
Document Number	0010150060
Map Reference	VOL 2 PG 1-A
Instrument Date	Oct 1, 2018
Instrument	2018-10150060
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,545.71
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	406 M ST, HOQUIAM, WA 98550-3217

Mortgage

Document Number	0010150061
Date	Oct 15, 2018
Instrument	2018-10150061

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,699.00 (-7.26%)
2025		$175,743 (-) Land $15,840 Building $159,903	$175,743 (-) Land $15,840 Building $159,903
2024	$1,832.00 (+6.26%)	$175,743 (+12.63%) Land $15,840 Building $159,903	$175,743 (+12.63%) Land $15,840 Building $159,903
2023	$1,724.00
2022		$156,032 Land $15,840 Building $140,192	$156,032 Land $15,840 Building $140,192

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 66 policies
Nearby Flood Policies	66 in force
Nearby Flood Claims	9 (1990–2022)
Most Recent Claim	Jan 2022 · Severe Winter Storms, Snowstorms, Straight-line Winds, Flooding
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Dec 2007 · 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	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	HOQUIAM WATER DEPARTMENT serves 11,456 people · EPA ID WA5334350
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	1 ppb (2022–2024) 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 505 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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