828 Ocean Ave, Cosmopolis, WA 98537 Property Records

Grays Harbor County property record for 828 Ocean Ave, Cosmopolis, WA 98537

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,752 sqft · built 2009
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Jul 2026)
Tax Bill	$5,404 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`035102301700`

Property Details

APN / Parcel Number

Primary APN	`035102301700`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,752 sqft Living Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Multi-Level
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	29,621 sqft (0.68 acres)
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	266 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	828 OCEAN AVE
City	COSMOPOLIS
State	WA
Zip	98537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ABER RAILROAD LOT 17 & W 20' OF LOT 18 TGW E 55' VAC TACOMA ST & 1/2 VAC ST & ALLEY ADJ BLK 23; ABER RAILROAD LOTS 29-32 INC TGW 5' VAC TACOMA ST & ALLEY ADJ BLK 22
Legal Range	22
Legal Township	09
Legal Section	17
Legal Subdivision	ABER RAILROAD
Legal Block	23
Legal Lot Number	17,18
Jurisdiction	GRAYS HARBOR WA
Township / Civil Division	ABERDEEN-HOQUIAM
Census Block Group	6
Census Block	6000
Census Tract	900

Owner

828 Ocean Ave is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	828 OCEAN AVE, COSMOPOLIS, WA 98537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Jul 17, 2026	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Nov 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC
Jun 16, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Sep 24, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jul 17, 2020	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2026 · Amount on File
Deed Sale	Jul 17, 2026 · Amount on File
Prior Sale	Jul 17, 2020 · Amount on File
Deed Document Number	20267
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Jul 17, 2026
Property Address	828 OCEAN AVE, COSMOPOLIS, WA 98537
Document Number	0000000007
Instrument Date	Jul 8, 2026
Instrument	20267
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	GRAYS HARBOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731,795.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 OCEAN AVE, COSMOPOLIS, WA 98537

Mortgage

Document Number	0000000008,
Date	Jul 17, 2026
Instrument	202678

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	828 OCEAN AVE, COSMOPOLIS, WA 98537
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 OCEAN AVE, COSMOPOLIS, WA 98537

Mortgage

Document Number	0011070021
Date	Nov 7, 2022
Instrument	2022-11070021

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85256

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	4.99%
Max Rate At Change	10.7%
Index	Prime Rate
Max Rate	13.7%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	828 OCEAN AVE, COSMOPOLIS, WA 98537
Transaction Type	Mortgage
Record Updated	May 26, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006160123
Date	Jun 16, 2021
Instrument	2021-06160123

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYS HARBOR WA
Property Address	828 OCEAN AVE, COSMOPOLIS, WA 98537
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009240010
Date	Sep 24, 2024
Instrument	2024-09240010

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2044

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYS HARBOR WA
Recording Date	Jul 17, 2020
Property Address	828 OCEAN AVE, COSMOPOLIS, WA 98537
Document Number	0007170065
Map Reference	VOL 2 PG 148
Instrument Date	Jul 16, 2020
Instrument	2020-07170065
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	$4,676.00
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	PO BOX 275, COSMOPOLIS, WA 98537-0275

Mortgage

Document Number	0007170066
Date	Jul 17, 2020
Instrument	2020-07170066

Lender

Name	USAA FSB
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 828 Ocean Ave was $5,404, up 6.6% 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
Municipality	Cosmopolis City
Unified School District	Cosmopolis School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,404.00 (+6.59%)
2025	$5,070.00 (-0.71%)	$488,568 (-) Land $52,726 Building $435,842	$488,568 (-) Land $52,726 Building $435,842
2024	$5,106.00	$488,568 Land $52,726 Building $435,842	$488,568 Land $52,726 Building $435,842

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

Flood

FEMA maps place 828 Ocean Ave in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	16 (1979–2022)
Claims Outside the SFHA	2 of 16
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 · 2 claims Severe Winter Storm, Landslides, Mudslides, And Flooding, Jan 2009 · 3 claims Severe Storms, Flooding, Landslides, And Mudslides, Dec 2007 · 3 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 828 Ocean Ave 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	COSMOPOLIS WATER DEPARTMENT serves 1,812 people · EPA ID WA5315050
Water Source	Purchased surface water from CITY OF ABERDEEN
Last State Inspection	Dec 2021
Lead	1 ppb (2022–2024) 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 27 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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