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Residential (General/Single)Residential
$240,516
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

862 N RIVER RD

COSMOPOLIS, WA 98537
0
Baths
11.35 ac
Lot SizeThe size of the land the home sits on, from county records.
2010
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$241K
$220K low$261K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$94,016
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$75,213
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.56%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$146,500
U S SMALL BUSINESS ADMINISTRATION · recorded Feb 1, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$992 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$146,245 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$76,680
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$69,565
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$146,245
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$146,245

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.22
92
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
3
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.78 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyGrays Harbor
Lot (acres)The size of the land the home sits on, from county records.11.35
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.None

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
North River SchoolB+
Elementary · Grades PK–12 · 9.4 mi

District: North River School District

Neighborhood · ZIP 98537These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.109
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.271

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.1,095
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.7 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,447
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,048
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.87 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.33%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

862 N River Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 70% of homes in Grays Harbor County
  • Has a bigger lot than 97% of homes in Grays Harbor County
  • Newer than 95% of homes in Cosmopolis 98537

What homes are worth in Cosmopolis 98537

Each bar is how many homes fall in that price range. The marker is this home.

This home
$97K$697K

This home is worth more than 43% of homes in Cosmopolis 98537.

How it measures up in Cosmopolis 98537

The dot is this home. The mark in the middle is the typical home in Cosmopolis 98537.

Estimated value$240,516
CheaperTypical $260,037Pricier

Pricier than 43% of homes nearby

Lot size11.35 ac
SmallerTypical 0.26 acBigger

Bigger than 94% of homes nearby

Year built2010
OlderTypical 1968Newer

Newer than 95% of homes nearby

How 862 N River Rd ranks against every home in each area.
MeasureThis homeCosmopolis 98537Grays Harbor County
Estimated valuepricier than$240,51643% of homes30% of homes
Lot sizebigger than11.35 ac94% of homes97% of homes
Year builtnewer than201095% of homes89% of homes

About 862 N River Rd

How much is 862 N River Rd, Cosmopolis, WA worth?

The TopHap Estimate for 862 N River Rd, Cosmopolis, WA is $240,516 as of Jul 14, 2026. The likely range is $219,956 to $261,076. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When was 862 N River Rd, Cosmopolis, WA built?

862 N River Rd, Cosmopolis, WA was built in 2010, making it 16 years old. The building has 1 story.

What schools serve 862 N River Rd, Cosmopolis, WA?

862 N River Rd, Cosmopolis, WA is assigned to North River School (elementary), rated B+. All sit in North River School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 862 N River Rd, Cosmopolis, WA compare to other homes in Cosmopolis 98537?

Among the 904 homes in Cosmopolis 98537, it is worth more than 43% of them ($240,516 against a typical $260,037), its lot is bigger than 94% of them (11.35 ac against a typical 0.26 ac) and it is newer than 95% of them (2010 against a typical 1968). Measured against all of Grays Harbor County, it is worth more than 30% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 862 N River Rd, Cosmopolis, WA?

The 2024 property tax bill for 862 N River Rd, Cosmopolis, WA was $992. The county assessed it at $146,245.

More homes on N River Rd

Closest homes

More homes in Cosmopolis 98537

Assigned schools

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