648 Smith St, Monroe, WA 98272 Property Records

Snohomish County property record for 648 Smith St, Monroe, WA 98272

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,360 sqft · built 1950
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$277,700 (Aug 2018)
Tax Bill	$3,917 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0601-004-078-00`

Property Details

APN / Parcel Number

Primary APN	`0601-004-078-00`
Alternative APNs	`270601-004-078-00` `01270640780001` `012706407800` `300410`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Units	3 Units
Stories	1 Story
Building Area	1,360 sqft Living Area
Gross Area	1,620 sqft
1st Floor Area	1,360 sqft
Bonus Room	Bonus Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	216 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	300410
Street Address	648 SMITH ST
City	MONROE
State	WA
Zip	98272-2165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR6000
Legal Description	SEC 01 TWP 27 RGE 06 RT 124F-1-) BAAP 124.35FT M/L EOF SW COR NW1/4 SE1/4 TH E 95FT TPB TH W 95FT TH N89*36 00E 74.55FT TO S LN ALLEY TH NELY ALG S LN ALLEY 95FT TH S TPB
Legal Range	06
Legal Township	27
Legal Section	01
Legal Block	14
Legal Lot Number	78
Jurisdiction	SNOHOMISH WA
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1005
Census Tract	52210

Owner

648 Smith St is owned and occupied by two individuals who bought it in August 2018.

Source: Snohomish County records, as of September 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	648 SMITH ST, MONROE, WA 98272-2165
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
Apr 10, 2020	Deed of Trust, Mortgage · VA Mortgage LEADER ONE FINANCIAL CORP
Mar 5, 2021	Deed of Trust, Mortgage · VA Mortgage LEADER ONE FINANCIAL CORP
May 8, 2019	Deed of Trust, Mortgage · VA Mortgage USAA
Aug 22, 2018	Warranty Deed, Transfer · VA Mortgage PREMIER MORTGAGE RESOURCES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2018 · Amount on File
Deed Sale	Aug 22, 2018 · Amount on File
Prior Sale	Jun 15, 2011 · Amount on File
Deed Document Number	2018287
Prior Transfer Date	Sep 11, 2012
Prior Transfer Doc	0000000196
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	648 SMITH ST, MONROE, WA 98272-2165
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	LAND TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202004100702
Date	Apr 10, 2020
Instrument	202004100702

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	648 SMITH ST, MONROE, WA 98272-2165
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202103050576
Date	Mar 5, 2021
Instrument	202103050576

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SNOHOMISH WA
Property Address	648 SMITH ST, MONROE, WA 98272-2165
Document Number	0000000042
Instrument Date	May 8, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	648 SMITH ST MONROE WA 982722165, MONROE, WA 98272-2165

Mortgage

Document Number	0000000042
Date	Jun 3, 2019
Instrument	201906030042

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SNOHOMISH WA
Recording Date	Aug 22, 2018
Property Address	648 SMITH ST, MONROE, WA 98272-2165
Document Number	0000000287
Instrument Date	Aug 9, 2018
Instrument	201808220287
Transaction Type	Transfer
Record Updated	May 19, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,948.06
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 SMITH ST, MONROE, WA 98272-2165
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000288
Date	Aug 22, 2018
Instrument	201808220288

Lender

Name	PREMIER MORTGAGE RESOURCES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 648 Smith St was $3,917.

Source: Snohomish County assessment roll, as of September 18, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,917.00	$500,700 Land $335,000 Building $165,700	$500,700 Land $335,000 Building $165,700
2023	$3,811.00	$511,900 Land $303,000 Building $208,900	$511,900 Land $303,000 Building $208,900

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

Flood

FEMA maps place 648 Smith St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective March 17, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2015–2025)
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 · 2 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 648 Smith 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	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	MONROE WATER SYSTEM serves 23,467 people · EPA ID WA5355820
Water Source	Purchased surface water from CITY OF EVERETT PUBLIC WORKS DEPT.
Last State Inspection	May 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 179 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: Astound Broadband.

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