432 46th St SE, Everett, WA 98203 Property Records

Snohomish County property record for 432 46th St SE, Everett, WA 98203

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,093 sqft · built 2005
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$710,000 (May 2025)
Tax Bill	$5,531 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2024 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0146-000-033-00`

Property Details

APN / Parcel Number

Primary APN	`0146-000-033-00`
Alternative APNs	`010146-000-033-00` `4349277`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,093 sqft Living Area
Gross Area	2,612 sqft
1st Floor Area	880 sqft
Basement Area	674 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Multi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	519 sqft
Parking Spaces	2 Parking Spaces
Deck Area	109 sqft
Patio Area	109 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	4349277
Street Address	432 46TH ST SE
City	EVERETT
State	WA
Zip	98203-2148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SECTION 31 TOWNSHIP 29 RANGE 05 QUARTER SW CAMBERLY BLK 000 D-00 - LOT 33
Legal Range	05
Legal Township	29
Legal Section	31
Legal Subdivision	CAMBERLY
Legal Block	000 D
Legal Lot Number	33
Jurisdiction	SNOHOMISH WA
Township / Civil Division	EVERETT
Census Block Group	4
Census Block	4001
Census Tract	41000

Owner

432 46th St SE is owned by two individuals who bought it in May 2025.

Source: Snohomish County records, as of August 14, 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	432 46TH ST NE, EVERETT, WA 98203
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Aug 2, 2024	Deed of Trust, Mortgage · Construction Mortgage US BANK NA
Jan 13, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE
Jan 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2025 · Amount on File
Deed Sale	May 12, 2025 · Amount on File
Prior Sale	Dec 13, 2006 · Amount on File
Deed Document Number	2025555
Prior Transfer Date	Dec 1, 2006
Prior Transfer Doc	0000000461
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	432 46TH ST SE, EVERETT, WA 98203-2148
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000085
Date	Oct 12, 2021
Instrument	202110120085

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	432 46TH ST SE, EVERETT, WA 98203-2148
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 46TH ST SE, EVERETT, WA 98203-2148

Mortgage

Document Number	0000000219
Date	Aug 2, 2024
Instrument	202408020219

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2054

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	432 46TH ST SE, EVERETT, WA 98203-2148
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000267
Date	Jan 13, 2017
Instrument	201701130267

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	432 46TH ST SE, EVERETT, WA 98203-2148
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000661
Date	Jan 17, 2020
Instrument	202001170661

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	432 46TH ST SE, EVERETT, WA 98203-2148
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001086
Date	Oct 15, 2020
Instrument	202010151086

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 432 46th St SE was $5,531.

Source: Snohomish County assessment roll, as of August 14, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Snohomish County
Municipality	Everett City
Unified School District	Everett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,531.00	$644,100 Land $357,000 Building $287,100	$644,100 Land $357,000 Building $287,100
2023	$5,082.00 (+18.66%)	$618,900 (+32.27%) Land $335,000 Building $283,900	$618,900 (+32.27%) Land $335,000 Building $283,900
2022	$4,283.00	$467,900 Land $227,000 Building $240,900	$467,900 Land $227,000 Building $240,900

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

Flood

FEMA maps place 432 46th St SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 17, 2022

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 432 46th St SE is low, with less than 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 97% of the US · lower than 98% of Washington
Wildfire Likelihood	Under 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	CITY OF EVERETT PUBLIC WORKS DEPT. serves 215,774 people · EPA ID WA5324050
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	4 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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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