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649 N 3rd St, Elma, WA 98541 Property Records

Grays Harbor County property record for 649 N 3rd St, Elma, WA 98541

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,494 sqft · built 2007
Lot Size0.24 acres (10,454 sqft)
Owner2 Individual Names on File
Last Sale$310,000 (Dec 2020)
Tax Bill$3,291 (2026)
Deeds & MortgagesDec 2020 Sale & Mortgage
Dec 2020 Transfer
Flood ZoneZone X (minimal risk)
APN618063522044

Property Details

APN / Parcel Number

Primary APN618063522044

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,494 sqft Living Area

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Architectural StyleMulti-Level
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area10,454 sqft (0.24 acres)
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area24 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address649 N 3RD ST
CityMONTESANO
StateWA
Zip98563
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEL AC LOT 2 OF SP 07-4 VOL 6 PG 49
Legal Range35
Legal Township06
Legal Section18
Legal SubdivisionELMA
Legal Block635
Legal Lot Number2
JurisdictionGRAYS HARBOR WA
Township / Civil DivisionELMA
Census Block Group2
Census Block2009
Census Tract502

Owner

649 N 3rd St is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record2 Individual Names on File
Mailing Address649 N 3RD ST, ELMA, WA 98541-9355
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Dec 8, 2020Warranty Deed, Transfer · Conventional Mortgage
AMERICAN FINANCIAL NETWORK INC
Dec 2, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 8, 2020 · Amount on File
Deed SaleDec 8, 2020 · Amount on File
Deed Document Number202064
Prior Transfer DateJun 27, 2008
Prior Transfer Doc0000000067
Record UpdatedOct 29, 2026

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGRAYS HARBOR WA
Recording DateDec 8, 2020
Property Address649 N 3RD ST, ELMA, WA 98541-9355
Document Number0012080064
Map ReferenceAF 2007-04110050
Instrument DateDec 4, 2020
Instrument2020-12080064
Transaction TypeTransfer
Record UpdatedJun 25, 2021
Title CompanyGRAYS HARBOR TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,190.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address649 N 3RD ST, ELMA, WA 98541-9355

Mortgage

Document Number0012080065
DateDec 8, 2020
Instrument2020-12080065
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2051

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGRAYS HARBOR WA
Recording DateDec 2, 2020
Property Address649 N 3RD ST, ELMA, WA 98541-9355
Document Number0012020064
Instrument DateSep 28, 2020
Instrument12020064
Transaction TypeTransfer
Record UpdatedJan 18, 2021
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address817 N 3RD ST ELMA WA 985419562, ELMA, WA 98541-9562

Tax Assessment & Valuation

The 2026 property tax bill for 649 N 3rd St was $3,291.

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

Property Jurisdictions

TypeName
StateWashington
CountyGrays Harbor County
MunicipalityElma City
Unified School DistrictElma School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,291.00
2025$363,437 (-) Land $65,499 Building $297,938$363,437 (-) Land $65,499 Building $297,938
2024$3,365.00$363,437 Land $65,499 Building $297,938$363,437 Land $65,499 Building $297,938

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

Flood

FEMA maps place 649 N 3rd St in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 649 N 3rd 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 RiskLow
lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF ELMA
serves 6,638 people · EPA ID WA5323100
Water SourceGroundwater
Last State InspectionAug 2024
Lead1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 358 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

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