55 Ridgetop Ln, Elma, WA 98541 Property Records

Grays Harbor County property record for 55 Ridgetop Ln, Elma, WA 98541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 2018
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Apr 2025)
Tax Bill	$3,751 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`735800001200`

Property Details

APN / Parcel Number

Primary APN	`735800001200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,408 sqft Living Area
1st Floor Area	1,408 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Foundation Type	Concrete
Lot Area	43,560 sqft (1 acres)
Garage Area	400 sqft

Location & Zoning

Street Address	55 RIDGETOP LN
City	ELMA
State	WA
Zip	98541-8613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGE AT GARDEN HILL LOT 12
Legal Range	26
Legal Township	06
Legal Section	18
Legal Subdivision	RIDGE AT GARDEN HILL
Legal Lot Number	12
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	ELMA
Census Block Group	2
Census Block	2000
Census Tract	502

Owner

55 Ridgetop Ln is owned and occupied by two individuals who bought it in April 2025.

Source: Grays Harbor County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	55 RIDGETOP LN, ELMA, WA 98541-8613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage TIMBERLAND BANK
Sep 6, 2022	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jun 13, 2022	Deed of Trust, Mortgage KEY BANK NA
Mar 8, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 26, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2025 · Amount on File
Deed Sale	Apr 25, 2025 · Amount on File
Prior Sale	Sep 6, 2022 · Amount on File
Deed Document Number	202560
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	55 RIDGETOP LN, ELMA, WA 98541-8613
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 RIDGETOP LN, ELMA, WA 98541-8613

Mortgage

Document Number	0002170033
Date	Feb 17, 2026
Instrument	2026-02170033

Lender

Name	TIMBERLAND BANK
Type	Bank
Address	HOQUIAM, WA 98550

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Sep 6, 2022
Property Address	55 RIDGETOP LN, ELMA, WA 98541-8613
Document Number	0009060081
Map Reference	VOL 12 PG 7-12
Instrument Date	Aug 29, 2022
Instrument	2022-09060081
Transaction Type	Transfer
Record Updated	Oct 20, 2022
Title Company	COAST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,201.50
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	1115 EDNA ST, MEDICAL LAKE, WA 99022-8867

Mortgage

Document Number	0009060082
Date	Sep 6, 2022
Instrument	2022-09060082

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	55 RIDGETOP LN, ELMA, WA 98541-8613
Transaction Type	Mortgage
Record Updated	Jul 13, 2022
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 RIDGETOP LN, ELMA, WA 98541-8613

Mortgage

Document Number	0006130061
Date	Jun 13, 2022
Instrument	2022-06130061

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 17, 2037

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	55 RIDGETOP LN, ELMA, WA 98541-8613
Transaction Type	Mortgage
Record Updated	Apr 22, 2021
Title Company	GRAYS HARBOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003080022
Date	Mar 8, 2021
Instrument	2021-03080022

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Apr 26, 2019
Property Address	55 RIDGETOP LN, ELMA, WA 98541-8613
Document Number	0004260069
Map Reference	VOL 12 PG 7-12
Instrument Date	Apr 19, 2019
Instrument	2019-04260069
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	PACIFIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,013.60
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	55 RIDGETOP LN, ELMA, WA 98541-8613

Mortgage

Document Number	0004260070
Date	Apr 26, 2019
Instrument	2019-04260070

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 55 Ridgetop Ln was $3,751, up 0.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Washington
County	Grays Harbor County
Unified School District	Elma School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,751.00 (+0.54%)
2025	$3,731.00 (+3.55%)	$409,360 (-) Land $81,250 Building $328,110	$409,360 (-) Land $81,250 Building $328,110
2024	$3,603.00	$409,360 Land $81,250 Building $328,110	$409,360 Land $81,250 Building $328,110

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

Flood

FEMA maps place 55 Ridgetop Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2023

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 55 Ridgetop Ln is low, with 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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 ELMA serves 6,638 people · EPA ID WA5323100
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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