45 Ross Rd, Twisp, WA 98856 Property Records

Okanogan County property record for 45 Ross Rd, Twisp, WA 98856

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,785 sqft · built 2000
Lot Size	9.83 acres (428,195 sqft)
Owner	2 Individual Names on Record
Last Sale	$14,852 (Mar 2022)
Tax Bill	$6,615 (2026)
Deeds & Mortgages	Jul 2022 Reverse Mortgage Mar 2022 Transfer + 2 more
APN	`3222160220`

Property Details

APN / Parcel Number

Primary APN	`3222160220`
Alternative APN	`848627`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,785 sqft Living Area
Gross Area	2,553 sqft
1st Floor Area	1,785 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	428,195 sqft
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	144 sqft
Deck Area	Deck Area
Patio Area	621 sqft
Shed	1 Shed
Shed Area	2,052 sqft
Cabin	560 sqft
Lean-To	450 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 ROSS RD
City	TWISP
State	WA
Zip	98856-9792
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAX 220 PT N1/2 LOT 5 (SW NE) W/CO RD --------------------------------------------- NOT VALUED PERMIT PROCESS NOTED - MH4511
Legal Range	22
Legal Township	32
Legal Section	16
Legal Lot Number	5
Jurisdiction	OKANOGAN WA
Township / Civil Division	METHOW VALLEY
Census Block Group	1
Census Block	1042
Census Tract	971000

Owner

Source: Okanogan County records, as of May 21, 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	45 ROSS RD, TWISP, WA 98856-9792
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GOURP
Mar 8, 2022	Intrafamily Transfer, Transfer
Apr 28, 2020	Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP
Dec 13, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2022 · Amount on Record
Deed Sale	Mar 8, 2022 · Amount on Record
Deed Document Number	20223262298
Prior Transfer Date	Feb 27, 2020
Prior Transfer Doc	3241724
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKANOGAN WA
Property Address	45 ROSS RD, TWISP, WA 98856-9792
Transaction Type	Mortgage
Record Updated	Dec 22, 2022
Title Company	FIDELITY NATIONAL AGENCY SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ROSS RD, TWISP, WA 98856-9792

Mortgage

Document Number	0003266017
Date	Jul 28, 2022
Instrument	3266017

Lender

Name	AMERICAN ADVISORS GOURP
Type	Reverse Mortgage Lender
Address	IRVINE, CA 92606

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	892 Months
Due	Nov 21, 2096

Interest

Rate Type	Adjustable Rate
Rate	3.86%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Index	LIBOR

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKANOGAN WA
Recording Date	Mar 8, 2022
Property Address	45 ROSS RD, TWISP, WA 98856-9792
Document Number	0003262298
Instrument Date	Mar 7, 2022
Instrument	3262298
Transaction Type	Transfer
Record Updated	Apr 1, 2022

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	Community Property
Address	PO BOX 39, CARLTON, WA 98814-0039

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKANOGAN WA
Recording Date	Apr 28, 2020
Property Address	45 ROSS RD, TWISP, WA 98856-9792
Document Number	3241724
Instrument Date	Feb 27, 2020
Instrument	3241724
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	TIMIOS INC

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
Address	45 ROSS RD, TWISP, WA 98856-9792

Mortgage

Document Number	3241725
Date	Apr 28, 2020
Instrument	3241725

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	919 Months
Due	Nov 21, 2096

Interest

Rate Type	Adjustable Rate
Rate	4.57%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKANOGAN WA
Recording Date	Dec 13, 2017
Property Address	45 ROSS RD, TWISP, WA 98856-9792
Document Number	3222252
Instrument Date	Dec 11, 2017
Instrument	3222252
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 ROSS RD, 45, TWISP, WA 98856-9792

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 39, CARLTON, WA 98814-0039

Tax Assessment & Valuation

Source: Okanogan County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Okanogan County
Unified School District	Methow Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,615.00 (+4.63%)	$844,000 (+2.59%) Land $248,300 Building $595,700	$844,000 (+2.59%) Land $248,300 Building $595,700
2025		$822,700 (+2.65%) Land $248,300 Building $574,400	$822,700 (+2.65%) Land $248,300 Building $574,400
2024	$6,322.00
2023		$801,500 (+18.95%) Land $248,300 Building $553,200	$801,500 (+18.95%) Land $248,300 Building $553,200
2022		$673,800 Land $248,300 Building $425,500	$673,800 Land $248,300 Building $425,500

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 Claims	2 (2014–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2017

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	Extreme above 95% of the US · above 84% of Washington
Wildfire Likelihood	3% annual chance
Exposure	Direct burnable vegetation

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
Okanogan County PUD Fixed Wireless	10 / 1
CenturyLink DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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