10645 Rustic Rd S, Seattle, WA 98178 Property Records

King County property record for 10645 Rustic Rd S, Seattle, WA 98178

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,460 sqft · built 1945
Lot Size	0.159 acres (6,912 sqft)
Owner	2 Companies on Record
Last Sale	$375,000 (Aug 2006)
Tax Bill	$6,815 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`405880-1920`

Property Details

APN / Parcel Number

Primary APN	`405880-1920`
Alternative APN	`405880192001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,460 sqft Living Area
Gross Area	1,720 sqft
1st Floor Area	860 sqft
Basement Area	640 sqft
Finished Basement	600 sqft
Unfinished Basement	40 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	6,912 sqft (0.159 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	405880192001
Street Address	10645 RUSTIC RD S
City	SEATTLE
State	WA
Zip	98178-2649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	LAKE RIDGE DIV # 2 PLAT BLOCK: 38 PLAT LOT: 12
Legal Range	04
Legal Township	23
Legal Section	01
Legal Subdivision	LAKE RIDGE DIV NO. 02
Legal Block	38
Legal Lot Number	12
Jurisdiction	KING WA
Township / Civil Division	SEATTLE
Census Block Group	1
Census Block	1012
Census Tract	26001

Owner

Source: King County assessment roll, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Companies on Record
Mailing Address	10645 RUSTIC RD S, SEATTLE, WA 98178-2649
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 30, 2023	Intrafamily Transfer, Transfer
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2006 · Amount on Record
Deed Sale	Aug 31, 2006 · Amount on Record
Deed Document Number	20062167
Last Transfer Date	Oct 25, 2023
Transfer Doc	0000000870
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KING WA
Property Address	10645 RUSTIC RD S, SEATTLE, WA 98178-2649
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000032
Date	Oct 23, 2023
Instrument	20231023000032

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 13, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KING WA
Recording Date	Oct 30, 2023
Property Address	10645 RUSTIC RD S, SEATTLE, WA 98178-2649
Document Number	0000000870
Map Reference	VOL 32 PG 37
Instrument Date	Oct 25, 2023
Instrument	20231030000870
Transaction Type	Transfer
Record Updated	Nov 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	10645 RUSTIC RD S, SEATTLE, WA 98178-2649

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KING WA
Property Address	10645 RUSTIC RD S, SEATTLE, WA 98178-2649
Transaction Type	Mortgage
Record Updated	Dec 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001379
Date	Nov 14, 2022
Instrument	20221114001379

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 5, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: King County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Washington
County	King County
Unified School District	Renton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,815.00 (+2.85%)
2025		$559,000 (-2.78%) Land $349,000 Building $210,000	$559,000 (-2.78%) Land $349,000 Building $210,000
2024	$6,626.00 (+13.32%)	$575,000 (+7.28%) Land $368,000 Building $207,000	$575,000 (+7.28%) Land $368,000 Building $207,000
2022	$5,847.00	$536,000 Land $233,000 Building $303,000	$536,000 Land $233,000 Building $303,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 23, 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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2010 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.6% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SKYWAY WATER & SEWER serves 12,036 people · EPA ID WA5338800
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2022
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 511 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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