78 Copperhead Ln, Cosmopolis, WA 98537 Property Records

Grays Harbor County property record for 78 Copperhead Ln, Cosmopolis, WA 98537

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,589 sqft · built 1971
Lot Size	38.4 acres (1,674,882 sqft)
Owner	Individual Name on Record
Last Sale	$675,000 (May 2024)
Tax Bill	$5,186 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`160809330010`

Property Details

APN / Parcel Number

Primary APN	`160809330010`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,589 sqft Living Area
Gross Area	1,841 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Multi-Level
Foundation Type	Concrete
Roof Material	Wood Shingle
Lot Area	1,674,882 sqft (38.4 acres)
Garage Type	Attached
Garage Area	252 sqft
Porch	Porch
Porch Area	518 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	78 COPPERHEAD LN
City	COSMOPOLIS
State	WA
Zip	98537-9730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	LOT 9 LS W OF RR R/W; LOT 10 (AKA LOT B OF BLA 21-07060058)
Legal Block	93
Legal Lot Number	9-10
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	NORTH RIVER
Census Block Group	2
Census Block	2107
Census Tract	700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	78 COPPERHEAD LN, COSMOPOLIS, WA 98537-9730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage TIMBERLAND BANK
Feb 15, 2017	Warranty Deed, Transfer · Conventional Mortgage

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2024 · Amount on Record
Deed Sale	May 15, 2024 · Amount on Record
Prior Sale	Feb 15, 2017 · Amount on Record
Deed Document Number	202428
Prior Transfer Date	Oct 23, 2009
Prior Transfer Doc	0000000079
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	78 COPPERHEAD LN, COSMOPOLIS, WA 98537-9730
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 COPPERHEAD LN, COSMOPOLIS, WA 98537-9730

Mortgage

Document Number	0003230045
Date	Mar 23, 2026
Instrument	2026-03230045

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company
Address	BELLEVUE, WA 98006

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	78 COPPERHEAD LN, COSMOPOLIS, WA 98537-9730
Transaction Type	Mortgage
Record Updated	Oct 30, 2023
Title Company	PACIFIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009200050
Date	Sep 20, 2021
Instrument	2021-09200050

Lender

Name	TIMBERLAND BANK
Type	Bank
Address	ABERDEEN, WA 98520

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Feb 15, 2017
Property Address	78 COPPERHEAD LN, COSMOPOLIS, WA 98537-9730
Document Number	0002150039
Instrument Date	Feb 10, 2017
Instrument	2150039
Transaction Type	Transfer
Record Updated	Apr 26, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,467.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	8803 217TH STREET CT E GRAHAM WA 983388407, GRAHAM, WA 98338-8407

Mortgage

Document Number	2150040
Date	Feb 15, 2017
Instrument	2150040

Lender

Address	PO BOX 546, OKANOGAN, WA 98840-0546
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 14, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Grays Harbor County
Unified School District	Cosmopolis School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,186.00 (+10.08%)
2025	$4,711.00 (-3.15%)	$501,291 (-) Land $165,600 Building $335,691	$501,291 (-) Land $165,600 Building $335,691
2024	$4,864.00 (+3.71%)	$501,291 (+1.05%) Land $165,600 Building $335,691	$501,291 (-) Land $165,600 Building $335,691
2023	$4,690.00
2022		$496,099 Land $160,408 Building $335,691	$501,291 Land $165,600 Building $335,691

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, effective November 27, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	7 (1999–2022)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Jan 2022 · Severe Winter Storms, Snowstorms, Straight-line Winds, Flooding
Claims by Event	Severe Winter Storms, Snowstorms, Straight-line Winds, Flooding, Jan 2022 · 4 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

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