Kittitas County property record for 981 Pinnacle Ln, Cle Elum, WA 98922
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,386 sqft · built 2019 |
| Lot Size | 3.04 acres (132,422 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $99,000 (Nov 2016) |
| Deeds & Mortgages | Aug 2018 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-15-04054-0012 |
| Primary APN | 19-15-04054-0012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,386 sqft Living Area |
| Gross Area | 4,786 sqft |
| Year Built | Built 2019 |
|---|---|
| Architectural Style | A-Frame |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 132,422 sqft (3.04 acres) |
| Garage Type | Attached |
| Garage Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 1,136 sqft |
| Utility Building | 1,632 sqft |
| Heating System | Heat Pump |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 981 PINNACLE LN |
|---|---|
| City | CLE ELUM |
| State | WA |
| Zip | 98922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE RIDGE AT TILLMAN CREEK PLAT LOT 12 |
| Legal Subdivision | TILLMAN CREEK |
| Legal Lot Number | 12 |
| Jurisdiction | KITTITAS WA |
| Township / Civil Division | CLE ELUM |
| Census Block Group | 1 |
| Census Block | 1087 |
| Census Tract | 975102 |
981 Pinnacle Ln is owned by two individuals who bought it in November 2016.
Source: Kittitas County records, as of July 10, 2023
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 556, SOUTH CLE ELUM, WA 98943-0556 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2018 | Deed of Trust, Mortgage · ARM UMPQUA BANK |
| Apr 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2016 · Amount on File |
| Deed Sale | Nov 15, 2016 · Amount on File |
| Prior Sale | Jun 4, 2010 |
| Deed Document Number | 0020162418 |
| Deed Book / Page | 2016 / 2418 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KITTITAS WA |
| Property Address | 981 PINNACLE LN, CLE ELUM, WA 98922 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2021 |
| Title Company | AMERITITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0008310094 |
|---|---|
| Date | Aug 31, 2018 |
| Instrument | 201808310094 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | MOUNTLAKE TERRACE, WA 98043 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Sep 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.5% |
| Index | 1-Year LIBOR |
| Max Rate | 9.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KITTITAS WA |
| Property Address | 981 PINNACLE LN, CLE ELUM, WA 98922 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0004010009 |
|---|---|
| Date | Apr 1, 2020 |
| Instrument | 202004010009 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 1, 2030 |
Source: Kittitas County assessment roll, as of September 30, 2022
| Type | Name |
|---|---|
| State | Washington |
| County | Kittitas County |
| Unified School District | Cle Elum-Roslyn School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $1,023,200 Land $173,200 Building $850,000 | $1,023,200 Land $173,200 Building $850,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 981 Pinnacle Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · 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 |
| Flood Insurance Cost | Premium on File median of 23 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
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 risk around 981 Pinnacle Ln is extreme, ranking above 99% of the US, with a 4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 99% of the US · above 95% of Washington |
|---|---|
| Wildfire Likelihood | 4% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gigabeam Internet Fixed Wireless | 300 / 300 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: CenturyLink, Inland Telephone Company, Verizon.
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