Pacific County property record for 10 Spruce Ln, South Bend, WA 98586
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,996 sqft · built 1995 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $324,000 (Dec 2018) |
| Tax Bill | $4,369 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 71028000034 |
| Primary APN | 71028000034 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,996 sqft Living Area |
| Gross Area | 2,928 sqft |
| 1st Floor Area | 1,996 sqft |
| Flooring | Covered |
| Elevator | Elevator |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 29,185 sqft (0.67 acres) |
| View / Lot | Bay |
| Garage Type | Attached |
| Garage Area | 896 sqft |
| Driveway | Driveway |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Slab |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Septic |
| Street Address | 10 SPRUCE LN |
|---|---|
| City | SOUTH BEND |
| State | WA |
| Zip | 98586-9008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | WILSON POINT ESTATES, LOT 34 |
| Legal Subdivision | WILSON POINT ESTATE |
| Legal Tract | A |
| Legal Lot Number | 34 |
| Jurisdiction | PACIFIC WA |
| Township / Civil Division | RAYMOND |
| Census Block Group | 3 |
| Census Block | 3108 |
| Census Tract | 950301 |
10 Spruce Ln is owned by two individuals who bought it in December 2018.
Source: Pacific County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 767, NAPAVINE, WA 98565-0767 |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 30, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Feb 7, 2020 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Dec 19, 2018 | Warranty Deed, Transfer · VA Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2018 · Amount on File |
| Deed Sale | Dec 19, 2018 · Amount on File |
| Deed Document Number | 20183183857 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PACIFIC WA |
| Property Address | 10 SPRUCE LN, SOUTH BEND, WA 98586-9008 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0003208336 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 3208336 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PACIFIC WA |
| Property Address | 10 SPRUCE LN, SOUTH BEND, WA 98586-9008 |
| Document Number | 0003191770 |
| Instrument Date | Feb 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2020 |
| Title Company | PACIFIC COUNTY TITLE COMPANY, PACIFIC CNTY TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 10 SPRUCE LN SOUTH BEND WA 985869008, SOUTH BEND, WA 98586-9008 |
| Document Number | 0003191770 |
|---|---|
| Date | Feb 12, 2020 |
| Instrument | 3191770 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 11, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PACIFIC WA |
| Recording Date | Dec 19, 2018 |
| Property Address | 10 SPRUCE LN, SOUTH BEND, WA 98586-9008 |
| Document Number | 0003183857 |
| Map Reference | VOL J PG86-89 |
| Instrument Date | Dec 13, 2018 |
| Instrument | 3183857 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | PACIFIC COAST TITLE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,957.20 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 767, NAPAVINE, WA 98565-0767 |
| Document Number | 0003183858 |
|---|---|
| Date | Dec 19, 2018 |
| Instrument | 3183858 |
| Name | EVERGREEN MONEYSOURCE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 10 Spruce Ln was $4,369, up 12.5% from the year before.
Source: Pacific County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Pacific County |
| Unified School District | South Bend School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $523,100 (-) Land $120,000 Building $403,100 | $523,100 (-) Land $120,000 Building $403,100 | |
| 2025 | $4,369.00 (+12.52%) | $523,100 (-) Land $120,000 Building $403,100 | $523,100 (-) Land $120,000 Building $403,100 |
| 2024 | $3,883.00 | $523,100 (+26.02%) Land $120,000 Building $403,100 | $523,100 (+26.02%) Land $120,000 Building $403,100 |
| 2023 | $3,883.00 | $415,100 Land $97,500 Building $317,600 | $415,100 Land $97,500 Building $317,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Spruce Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2015.
Source: FEMA National Flood Hazard Layer, effective September 21, 2015 · 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 48 policies |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 3 (2015–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Dec 2024 · rainfall accumulation |
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 10 Spruce Ln 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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