440 Ermine Loop, Cle Elum, WA 98922 Property Records

Kittitas County property record for 440 Ermine Loop, Cle Elum, WA 98922

Property Summary

Property Type	Single Family Home
Details	built 1997
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$82,000 (Nov 2015)
Deeds & Mortgages	Aug 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`20-14-22051-0038`

Property Details

APN / Parcel Number

Primary APN	`20-14-22051-0038`
Alternative APNs	`P530634` `530634`

Interior

Stories	2 Stories
Utility Area	780 sqft
Bonus Room	Bonus Room
Utility Room	Utility Room

Exterior

Year Built	Built 1997
Architectural Style	Other
Lot Area	13,068 sqft (0.3 acres)
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	256 sqft
Storage Building	120 sqft
Utility Building	660 sqft

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Old Parcel Number	P530634
Street Address	440 ERMINE LOOP
City	CLE ELUM
State	WA
Zip	98922-9425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	KC-R-3
Legal Description	ACRES .30, ELK MEADOWS PARK #2 LT 38 SEC. 22; TWP. 20; RGE. 14;
Legal Range	14
Legal Township	20
Legal Section	22
Legal Subdivision	ELK MEADOWS PARK 02
Legal Lot Number	38
Jurisdiction	KITTITAS WA
Township / Civil Division	MANASTASH RIDGE
Census Block Group	3
Census Block	3002
Census Tract	975201

Owner

440 Ermine Loop is owned by an individual who bought it in November 2015.

Source: Kittitas County records, as of July 10, 2023

Owner of Record	Individual Name on File
Mailing Address	PO BOX 846, CLE ELUM, WA 98922-0846
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2015 · Amount on File
Deed Sale	Nov 12, 2015 · Amount on File
Prior Sale	Feb 1, 2008 · Amount on File
Deed Document Number	0020152153
Deed Book / Page	2015 / 2153
Record Updated	Jun 7, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITTITAS WA
Property Address	440 ERMINE LOOP, CLE ELUM, WA 98922-9425
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008050002
Date	Aug 4, 2022
Instrument	202208050002

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	ELLENSBURG, WA 98926

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	235 Months
Due	Mar 1, 2042

Tax Assessment & Valuation

Source: Kittitas County assessment roll, as of September 30, 2022

Property Jurisdictions

Type	Name
State	Washington
County	Kittitas County
Unified School District	Cle Elum-Roslyn School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$98,640 Land $70,670 Building $27,970	$98,640 Land $70,670 Building $27,970

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

Flood

FEMA maps place 440 Ermine Loop in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · 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	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 42 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	13 (2011–2025)
Most Recent Claim	Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 12 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

Wildfire risk around 440 Ermine Loop is extreme, ranking above 95% of the US, with a 2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 95% of the US · above 86% of Washington
Wildfire Likelihood	2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	KITTITAS COUNTY WATER DISTRICT #5 serves 700 people · EPA ID WA5342704
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Inland Cellular Cable	500 / 20
Gigabeam Internet Fixed Wireless	300 / 300