620 112th St SE #320 · Everett, WA
Flood risk No data
- FEMA flood zone
- —
- Chance of flooding over 30 yrs
- —
- Est. flood insurance / yr
- —
Fire risk No data
- Est. fire insurance / yr
- —
Heat risk No data
- Hot days now (above threshold)
- —
- Hot days in 30 yrs
- —
Wind risk No data
- Chance of severe wind over 30 yrs
- —
Air-quality risk No data
- Unhealthy air days now
- —
- Unhealthy air days in 30 yrs
- —
Risk factors via First Street. Map © Google.
Why this score? — see what drove the C+ grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +22.5/30.0
- ARV discount +15.0/15.0
- DSCR +7.5/10.0
- 1% rule +6.3/10.0
- Schools +5.9/10.0
- Condition / age +4.0/5.0
- Livability +3.7/5.0
- Appreciation +2.5/10.0
- Rent growth +1.7/5.0
- Manufactured-home adj. -5.5
$165,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
MOTIVATED SELLER - Better than new and truly one-of-a-kind, this beautifully updated triple-wide home offers spacious, refined living in a desirable 55+ community. Featuring 2 oversized bedrooms and 1.75 baths, including a luxurious primary suite with a large en suite and oversized walk-in shower. Designed for both comfort and entertaining, the home boasts a large family room with a cozy wood-burning fireplace, formal dining area with a wet bar, and an expansive living room filled with natural light. The open kitchen offers abundant counter space and functionality for everyday living.
Key facts
- Large family room
- Wet bar
- Formal dining area
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath manufactured listed at $165k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $622 ($7k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $165k).
- Recommended offer: $150k (9.0% below list) — sets the bar for market timing.
- Cap rate 10.8% vs local median 2.5% in Everett — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 73/100 on livability (#199 in WA) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A, health & safety A; Watch: crime D+, amenities F, cost of living F.
- Everett School District (urban): math 60% / reading 72% proficiency, ranked #26 of 291 in WA (top 9%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: Silver Lake Elementary (584 students, 60% FRL); Eisenhower Middle School (880 students, 52% FRL); Cascade High School (1,793 students, 53% FRL) — zoned schools average 55% FRL vs 31% district-wide (24 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents falling (-3.2%/yr); 364 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals lingering (median 37d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 3,982 units permitted in Snohomish County in 2024 (1,492 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
- Snohomish County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 110 days — a 9% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts since 20y ago; this cycle's ask has dropped $20k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $60k; list at $165k implies a 175% gain — meaningful room to come down on a strong offer.
Questions for the listing agent
- It's been on market 110 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 1.26% ✓
- Cap rate
- 10.82%
- Cash-on-cash
- 16.16%
- DSCR
- 1.72
- GRM
- 6.6
CMA / ARV
- ARV (median comp)
- $245,000
- List price
- $165,000
- Delta
- -32.65%
- Verdict
- UNDERPRICED
- Comps
- 5 within 1.0 mi
Show comp detail 7 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 620 112th St SE #140 | 0.00mi | 3/2.0 (+1) | 1,816 (-4%) | 21mo | $120,000 | $66 | 70 |
| 620 112th #355 | 0.00mi | 2/2.0 | 1,766 (-7%) | 23mo | $193,000 | $109 | 69 |
| 620 112th St SE #33 | 0.00mi | 3/2.0 (+1) | 1,715 (-10%) | 12mo | $115,000 | $67 | 69 |
| 620 112th St SE #347 | 0.17mi | 3/2.0 (+1) | 1,620 (-15%) | 21mo | $190,000 | $117 | 45 |
| 12304 SE 10th Dr | 0.59mi | 3/2.0 (+1) | 1,782 (-6%) | 16mo | $432,500 | $243 | 44 |
| 11500 Meridian Ave S #49 | 0.64mi | 3/2.0 (+1) | 1,620 (-15%) | 4mo | $245,000 | $151 | 37 |
| 11500 Meridian Ave S #101 | 0.64mi | 3/3.0 (+1) | 1,782 (-6%) | 18mo | $170,000 | $95 | 37 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 0.0% rent growth · sell at horizon
- IRR
- 3.9%
- Equity multiple
- 1.15×
- Total profit
- $6,772
- Equity at exit
- $24,602
- IRR
- 10.6%
- Equity multiple
- 1.72×
- Total profit
- $33,261
- Equity at exit
- $14,266
Cash invested: $46,200 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 28 Tenant-Leaning
- State Washington
- 28 Tenant-Leaning · D+8
- County
- — inherits STATE
- City
- — inherits STATE
Active competition Active MLS
- For sale now
- 5 active · 3 under contract
- Months of supply
- 7.5 mo (13%/mo absorbed)
- Median asking
- $120,000 ($76/sqft)
- Median days on market
- 57 d
- This list price
- 100% of active listings are priced below it
- ARV vs active asking
- +70.1% above current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 98208
- Rents YoY
- -3.2%
- Active inventory
- 364
- Price-to-rent
- 6.6×
Monthly cashflow live
- Estimated rent
- $2,073 high interval (Pro) →
- Mortgage (P&I)
- −$865
- Tax from tax record
- −$82 /mo · $980/yr
- Insurance
- −$69
- HOA
- −$0
- Lot rent leased land?
- −$0
- Vacancy / Maint / Mgmt
- −$435
- Net cashflow
- $622
Break-even live
Sensitivity live
| Price | -10% $716 | -5% $669 | +0% $622 | +5% $576 | +10% $529 |
|---|---|---|---|---|---|
| Rent | -10% $458 | -5% $540 | +0% $622 | +5% $704 | +10% $786 |
| Rate | -1.0pp $705 | -0.5pp $664 | base $622 | +0.5pp $579 | +1.0pp $536 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $41,250
- Closing costs
- $4,950
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 26 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 11026 Meridian Dr SE Everett, WA | 3.0 | 2.5 | 1700 | $3,000 | $1.76 | 93d | 1 | 0.53mi |
| 4 112th St SW Unit A Everett, WA | 3.0 | 2.5 | 1661 | $3,300 | $1.99 | 93d | 1 | 0.56mi |
| 10509 14th Dr SE Everett, WA | 3.0 | 2.5 | 1506 | $2,700 | $1.79 | 48d | 1 | 0.69mi |
| 1301 124th Pl SE Everett, WA | 3.0 | 2.5 | 1876 | $3,500 | $1.87 | 73d | 1 | 0.74mi |
| 119 107th St SW Unit B Everett, WA | 3.0 | 2.0 | 1346 | $2,900 | $2.15 | 13d | 1 | 0.78mi |
| 2012 113th Pl SE Everett, WA | 2.0 | 2.5 | 1250 | $2,995 | $2.40 | 10d | 1 | 0.81mi |
| 10101 7th Ave SE Everett, WA | 1.0–3.0 | 1.0–2.0 | 1073 | $2,249 | $2.10 | 7d | 9 | 0.84mi |
| 305 127th St SE Unit A Everett, WA | 2.0 | 2.5 | 1456 | $2,649 | $1.82 | 93d | 1 | 0.86mi |
| 12102 4th Ave W Everett, WA | 1.0–3.0 | 1.0–2.5 | 982 | $2,189 | $2.23 | 12d | 25 | 0.97mi |
| 222 124th St SW Unit A2 Everett, WA | 3.0 | 2.5 | 1560 | $2,975 | $1.91 | 54d | 1 | 0.97mi |
| 222 124th St SW Unit A2 Everett, WA | 3.0 | 2.0 | 1560 | $2,975 | $1.91 | 43d | 1 | 0.97mi |
| 12600 4th Ave W Everett, WA | 2.0 | 2.5 | 1336 | $2,295 | $1.72 | 66d | 1 | 1.16mi |
| 13117 3rd Ave SE Unit J1 Everett, WA | 3.0 | 3.0 | 1659 | $3,249 | $1.96 | 93d | 1 | 1.16mi |
| 13117 3rd Ave SE Unit B6 Everett, WA | 3.0 | 3.0 | 1671 | $3,200 | $1.92 | 17d | 1 | 1.16mi |
| 9618 19th Ave SE Unit C Everett, WA | 3.0 | 3.0 | 1637 | $3,200 | $1.95 | 59d | 1 | 1.20mi |
| 13004 Meridian Ave S Everett, WA | 1.0–3.0 | 1.0–2.0 | 1025 | $1,961 | $1.91 | 31d | 1 | 1.24mi |
| 13510 N Creek Dr Mill Creek, WA | 1.0–4.0 | 1.0–2.0 | 1020 | $1,830 | $1.79 | 37d | 1 | 1.29mi |
| 9229 5th Dr SE Everett, WA | 3.0 | 2.5 | 2337 | $3,590 | $1.54 | 30d | 1 | 1.31mi |
| 11719 12th Ave W Everett, WA | 3.0 | 2.5 | 1533 | $2,800 | $1.83 | 93d | 1 | 1.32mi |
| 11727 12th Ave W #77 Everett, WA | 3.0 | 2.5 | 1533 | $2,950 | $1.92 | 18d | 1 | 1.33mi |
| 12522 8th Ave W Everett, WA | 1.0–3.0 | 1.0–2.0 | 1005 | $2,147 | $2.14 | 13d | 11 | 1.35mi |
| 12121 Admiralty Way Everett, WA | 1.0–3.0 | 1.0–2.0 | 1116 | $2,215 | $1.98 | 9d | 13 | 1.40mi |
| 9515 Holly Dr Unit 1 Everett, WA | 3.0 | 2.5 | 1600 | $2,500 | $1.56 | 21d | 1 | 1.41mi |
| 229 Dorn Ave Unit C101 Everett, WA | 3.0 | 2.5 | 1452 | $2,750 | $1.89 | 31d | 1 | 1.41mi |
| 10115 Holly Dr Everett, WA | 1.0–3.0 | 1.0–2.0 | 1003 | $2,278 | $2.27 | 59d | 22 | 1.43mi |
| 1209 125th Pl SW Everett, WA | 3.0 | 2.5 | 1860 | $3,300 | $1.77 | 21d | 1 | 1.49mi |
Property features AI
Finance
- Other
- Directions available to property
- Financial info
- Listing terms: Cash or Conventional
- HOA & community
- Located in Lago De Plata parkPark approved for saleSenior communityPark amenities: clubhouse, common area, exercise room, pool, recreational area, RV parking, trails, high-speed internet available244 homes in parkLand lease amount
Exterior
- Parking
- Carport
- Utilities
- Public water (paid by park)Public sewer (paid by park)PUD power companyElectric water heater
- Home design
- Manufactured home (triple wide)Pan Am makeOne storyFaces northEntry and dining, family and living room included
- Construction
- Metal and vinyl constructionComposition roofPillar/post/pier foundationManufactured after 06/15/1976
- Exterior features
- Metal/vinyl exteriorPatio/porch/deckLandscapedPaved lot
Interior
- Kitchen
- DishwasherGarbage disposalMicrowaveRefrigeratorStove/Range
- Bedrooms
- 2 bedrooms
- Flooring
- Vinyl plankCarpet
- Bathrooms
- 1 full bath1 three-quarter bath1 bathtub2 showers
- Heating & cooling
- Heat pump for heating and coolingElectric and wood energy sources
- Interior features
- Fireplace (wood burning)Water heaterVaulted ceilingsSkylightsWet bar
- Laundry & utility
- WasherDryerUtility room
Listing history 50 events
-
2026-08-08days on market $165,000 Active 110 DOM
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2026-08-06days on market $165,000 Active 108 DOM
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2026-08-05days on market $165,000 Active 107 DOM
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2026-08-04days on market $165,000 Active 106 DOM
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2026-08-03days on market $165,000 Active 105 DOM
-
2026-07-31days on market $165,000 Active 102 DOM
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2026-07-30days on market $165,000 Active 101 DOM
-
2026-07-30days on market $165,000 Active 100 DOM
-
2026-07-28days on market $165,000 Active 99 DOM
-
2026-07-26days on market $165,000 Active 97 DOM
-
2026-07-24days on market $165,000 Active 95 DOM
-
2026-07-23days on market $165,000 Active 94 DOM
-
2026-07-22days on market $165,000 Active 93 DOM
-
2026-07-21days on market $165,000 Active 92 DOM
-
2026-07-20days on market $165,000 Active 91 DOM
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2026-07-18days on market $165,000 Active 89 DOM
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2026-07-18days on market $165,000 Active 88 DOM
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2026-07-16days on market $165,000 Active 87 DOM
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2026-07-15days on market $165,000 Active 86 DOM
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2026-07-14days on market $165,000 Active 85 DOM
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2026-07-13days on market $165,000 Active 84 DOM
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2026-07-13days on market $165,000 Active 83 DOM
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2026-07-11pricedays on market $165,000 Active 82 DOM
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2026-07-10days on market $185,000 Active 81 DOM
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2026-07-10status $185,000 Active 80 DOM
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2026-07-06status $185,000 Pending 80 DOM
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2026-07-06days on market $185,000 Active 80 DOM
-
2026-07-05days on market $185,000 Active 79 DOM
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2026-07-03days on market $185,000 Active 78 DOM
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2026-07-02days on market $185,000 Active 77 DOM
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2026-07-01days on market $185,000 Active 76 DOM
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2026-06-30days on market $185,000 Active 75 DOM
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2026-06-29days on market $185,000 Active 74 DOM
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2026-06-28days on market $185,000 Active 73 DOM
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2026-06-27days on market $185,000 Active 72 DOM
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2026-06-26days on market $185,000 Active 71 DOM
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2026-06-24days on market $185,000 Active 69 DOM
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2026-06-22days on market $185,000 Active 67 DOM
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2026-06-21days on market $185,000 Active 66 DOM
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2026-06-18days on market $185,000 Active 63 DOM
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2026-06-17days on market $185,000 Active 62 DOM
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2026-06-16days on market $185,000 Active 61 DOM
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2026-06-15days on market $185,000 Active 60 DOM
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2026-06-13days on market $185,000 Active 58 DOM
-
2026-06-13days on market $185,000 Active 57 DOM
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2026-06-09days on market $185,000 Active 54 DOM
-
2026-06-08days on market $185,000 Active 53 DOM
-
2026-06-07days on market $185,000 Active 52 DOM
-
2026-06-04days on market $185,000 Active 49 DOM
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2026-06-03days on market $185,000 Active 48 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast WA · Resets to sale price
- Current annual tax
- $980 · $82/mo
- Projected year-2 tax
- $1,617 · $135/mo
- Expected delta
- +$637/yr (+$53/mo · 64.9%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $24,880
- − Mortgage interest
- −$9,243
- − Property taxes
- −$980
- − Insurance
- −$825
- − Repairs & maintenance
- −$1,990
- − Management
- −$1,990
- − Depreciation
- −$4,800
- Taxable income
- $5,052
- Est. tax owed @ 24.0%
- −$1,212
- After-tax cash flow
- $6,254/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 9 photos
This beautifully updated triple-wide manufactured home in a desirable 55+ community is move-in ready with good condition and minimal maintenance required.
Components & finishes AI
Value-add opportunities
- Resale Paint exterior siding — Fresh paint can enhance curb appeal and home value. ↑
- Both Replace carpet in living areas — Carpet can detract from the home's modern aesthetic and comfort level. ↑
- Both Install smart home automation — Smart home features can increase convenience and appeal to potential buyers/renters. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
Schools (NCES district)
- District
- Everett School District
- NCES district ID
- 5302670
- Math proficiency
- 60% ▲ 1.00%
- Reading proficiency
- 72% ▲ 1.00%
- Median HH income
- $66,815
- Composite
- 59.0/100
- National rank
- #1964
- State rank
- #26 of 291 in WA
Livability — Everett
- Score
- 73/100
- State rank
- #199
- US rank
- #5489
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Everett, WA
- County
- Snohomish County · 899,800 people
- City population
- 173,457
- Metro
- Seattle-Tacoma-Bellevue, WA
- Population (ZIP)
- 60,915
- Household income
- $103,705
- Rent vs Own
- Severe rent burden
- 20% of renters
Population outlook (Snohomish County) Hauer SSP2
- Today (2025)
- 899,800 people
- By 2030
- 960,975 · +6.8%
- By 2040
- 1,074,447 · +19.4%
- By 2050
- 1,171,954 · +30.2%
- By 2075
- 1,384,849 · +53.9%
- By 2100
- 1,497,296 · +66.4%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.65)
- Race & ethnicity
- White 55% Asian 17% Hispanic / Latino 14% Two or more races 13% Black 5%
- Hispanic origin (detail)
- Mexican 10%
- Common ancestry
- Portuguese 5% Italian 3% Slovak 2%
- Foreign-born
- 27% · Canada, Vietnam, South Korea
- Languages at home
- 66% English-only · Spanish 9% Vietnamese 4% Other Asian/Pacific 4%
Political lean MEDSL · Snohomish
- 2024 margin
- D (+19.0) · D 57.8% · R 38.9% · Other 3.3%
- 2008→2024 swing
- +0.1pp no change · 2008: 18.9pp · 2024: 19.0pp
- All cycles
- 2024: D+19.0 2020: D+20.6 2016: D+16.6 2012: D+16.2 2008: D+18.9
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -884.74%
- Current HPI
- 337.856
- Rent YoY
- ▼ -3.16%
- Metro
- Seattle-Tacoma-Bellevue, WA
- State GDP YoY
- ▲ 4.65%
- F500 in state
- 22
Industry mix (Fortune 500 HQ in WA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Retail | 2 | $269B |
|
||
| Technology / Retail | 1 | $638B |
|
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| Technology | 1 | $245B |
|
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| Telecommunications | 1 | $38B |
|
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| Food / Beverage | 1 | $36B |
|
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| Automotive / Trucks | 1 | $34B |
|
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Price history
+219.0% since first listed15 events — show timeline
- 2026-04-16 Listed $185,000 NWMLS as Distributed by MLS Grid
- 2015-07-09 Sold (MLS) $60,000 NWMLS as Distributed by MLS Grid
- 2015-06-23 Pending — NWMLS as Distributed by MLS Grid
- 2015-06-10 Pending — NWMLS as Distributed by MLS Grid
- 2015-06-04 Listed $61,500 NWMLS as Distributed by MLS Grid
- 2014-07-10 Sold (MLS) $49,000 NWMLS as Distributed by MLS Grid
- 2014-06-27 Pending — NWMLS as Distributed by MLS Grid
- 2014-06-22 Pending — NWMLS as Distributed by MLS Grid
- 2014-06-06 Relisted — NWMLS as Distributed by MLS Grid
- 2014-05-31 Pending — NWMLS as Distributed by MLS Grid
- 2014-05-13 Relisted — NWMLS as Distributed by MLS Grid
- 2014-05-13 Pending — NWMLS as Distributed by MLS Grid
- 2014-05-01 Listed $53,000 NWMLS as Distributed by MLS Grid
- 2006-09-15 Sold (MLS) $55,000 NWMLS as Distributed by MLS Grid
- 2006-05-24 Listed $58,000 NWMLS as Distributed by MLS Grid
Property tax history
+3.8%/yrLatest (2026): $980 · -16.2% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…