100-County Underwriting Atlas › Washington › King County

King County, WA Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (King County PITIA Escrow Takeaway): In King County, Washington, 1–4 unit investment properties carry an effective property tax rate of 0.92% ($602/mo on a $785,000 median acquisition) and landlord hazard/windstorm insurance averaging $480/yr per $100K ($314/mo), resulting in a combined monthly T&I escrow of $916/mo against a median Form 1007 rent of $4,750/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in King County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

0.92% ($602/mo)

Landlord Ins. / $100K

$480/yr ($314/mo)

1–4u Price / 75% Loan

$785,000 / $588,750

Form 1007 Median Rent

$4,750/mo

King County Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: Statutory county assessor periodic revaluation; underwriters use post-acquisition projected tax bill (typically 85%–100% of purchase price × county millage rate).
2. Hazard, Windstorm & Catastrophe Insurance Tier: Puget Sound Seismic Overlay
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).
4. Wholesale Escrow & Tax-Reduction Strategy: Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.

Price a King County, WA DSCR, STR or Fix & Flip Scenario

Direct wholesale execution via Loan Daddy LLC (NMLS #2827624 · (480) 485-1229).

Request King County Term Sheet →Washington State Hub WA Market Report WA Deal Team