643 NE 2nd St, North Bend, WA 98045 Property Records

King County property record for 643 NE 2nd St, North Bend, WA 98045

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,860 sqft · built 2018
Lot Size	0.083 acres (3,597 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (May 2019)
Tax Bill	$8,934 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`177628-0040`

Property Details

APN / Parcel Number

Primary APN	`177628-0040`
Alternative APN	`177628004000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,860 sqft Living Area
Gross Area	2,540 sqft
1st Floor Area	980 sqft
2nd Floor Area	720 sqft
Basement Area	190 sqft
Finished Basement	160 sqft
Unfinished Basement	30 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	3,597 sqft (0.083 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	177628004000
Street Address	643 NE 2ND ST
City	NORTH BEND
State	WA
Zip	98045-5009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	COTTAGES AT RANGER STATION
Legal Range	08
Legal Township	23
Legal Section	10
Legal Subdivision	COTTAGES AT RANGER STATION
Legal Lot Number	4
Jurisdiction	KING WA
Township / Civil Division	SNOQUALMIE VALLEY
Census Block Group	2
Census Block	2005
Census Tract	32704

Owner

643 NE 2nd St is owned and occupied by two individuals who bought it in May 2019.

Source: King County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	643 NE 2ND ST, NORTH BEND, WA 98045-5009
Occupancy	Owner Occupied
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

Date	Document
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
May 15, 2019	Warranty Deed, Transfer · Conventional Mortgage BOEING EMPS CU
Aug 13, 2018	Warranty Deed, Subdivision Related Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2019 · Amount on File
Deed Sale	May 15, 2019 · Amount on File
Prior Sale	Aug 13, 2018 · Amount on File
Deed Document Number	2019729
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KING WA
Property Address	643 NE 2ND ST, NORTH BEND, WA 98045-5009
Transaction Type	Mortgage
Record Updated	Dec 17, 2021
Title Company	CW TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000858
Date	Dec 8, 2021
Instrument	20211208000858

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KING WA
Property Address	643 NE 2ND ST, NORTH BEND, WA 98045-5009
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001333
Date	Jul 7, 2020
Instrument	20200707001333

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KING WA
Recording Date	May 15, 2019
Property Address	643 NE 2ND ST, NORTH BEND, WA 98045-5009
Document Number	0000000729
Instrument Date	May 10, 2019
Instrument	201905150729
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	643 NE 2ND ST NORTH BEND WA 980455009, NORTH BEND, WA 98045-5009

Mortgage

Document Number	730
Date	May 15, 2019
Instrument	201905150730

Lender

Name	BOEING EMPS CU
Type	Credit Union
Address	TUKWILA, WA 98168

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2049

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KING WA
Recording Date	Aug 13, 2018
Property Address	643 NE 2ND ST, NORTH BEND, WA 98045-5009
Document Number	0000000613
Instrument Date	Aug 2, 2018
Instrument	201808130613
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 4, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	643 NE 2ND ST NORTH BEND WA 980455009, NORTH BEND, WA 98045-5009

Mortgage

Document Number	614
Date	Aug 13, 2018
Instrument	201808130614

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 643 NE 2nd St was $8,934.

Source: King County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Washington
County	King County
Municipality	North Bend City
Unified School District	Snoqualmie Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,934.00
2025		$987,000 (+10.4%) Land $297,000 Building $690,000	$987,000 (+10.4%) Land $297,000 Building $690,000
2024	$8,285.00	$894,000 Land $297,000 Building $597,000	$894,000 Land $297,000 Building $597,000
2022	$7,605.00	$884,000 Land $309,000 Building $575,000	$884,000 Land $309,000 Building $575,000

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

Flood

FEMA maps place 643 NE 2nd St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 23, 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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 93 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	93 in force
Nearby Flood Claims	75 (1986–2015)
Claims Outside the SFHA	22 of 75
Most Recent Claim	Dec 2015 · river or lake flooding
Claims by Event	Severe Winter Storm, Landslides, Mudslides, And Flooding, Jan 2009 · 23 claims Severe Storms, Flooding, Landslides, And Mudslides, Nov 2006 · 24 claims Severe Storms, High Wind, And Flooding, Nov 1995 · 10 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 643 NE 2nd St 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	Direct burnable vegetation

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 NORTH BEND serves 8,710 people · EPA ID WA5360100
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 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	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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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