12495 N Walden Loop, Rathdrum, ID 83858 Property Records

Kootenai County property record for 12495 N Walden Loop, Rathdrum, ID 83858

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,794 sqft · built 2020
Lot Size	1.62 acres (70,916 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,514 (2025)
Deeds & Mortgages	Sep 2026 Sale Oct 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0L3240100090`

Property Details

APN / Parcel Number

Primary APN	`0L3240100090`
Alternative APN	`340107`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	2,794 sqft Living Area
1st Floor Area	2,150 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Frame
Foundation Type	Concrete
Lot Area	70,916 sqft (1.62 acres)
Garage Type	Attached
Garage Area	1,325 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Account Number	340107
Street Address	12495 N WALDEN LOOP
City	RATHDRUM
State	ID
Zip	83858-5019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOST CREEK ESTATES 2ND ADD, LT 9 BLOCK 10 0351N05W
Legal Range	05W
Legal Township	51N
Legal Section	03
Legal Subdivision	LOST CREEK ESTATES
Legal Block	10
Legal Lot Number	9
Jurisdiction	KOOTENAI ID
Township / Civil Division	POST FALLS-RATHDRUM
Census Block Group	1
Census Block	1037
Census Tract	304

Owner

Source: Kootenai County records, as of October 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4935 SURFCREST DR, OAK HARBOR, WA 98277-7900
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Warranty Deed, Transfer TITLE ONE
Oct 22, 2021	Intrafamily Transfer, Transfer
May 7, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage US BANK NA
Nov 18, 2019	Warranty Deed, Construction Loan · Construction Mortgage COLUMBIA STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2026
Deed Sale	Sep 25, 2026
Prior Sale	May 7, 2020 · Amount on Record
Deed Document Number	20263058469
Prior Transfer Date	Oct 7, 2021
Prior Transfer Doc	0002867054
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOOTENAI ID
Recording Date	Sep 25, 2026
Property Address	12495 N WALDEN LOOP, RATHDRUM, ID 83858-5019
Document Number	0003058469
Instrument Date	Sep 14, 2026
Instrument	20263058469
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	TITLE ONE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4935 SURFCREST DR, OAK HARBOR, WA 98277-7900

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KOOTENAI ID
Recording Date	Oct 22, 2021
Property Address	12495 N WALDEN LOOP, RATHDRUM, ID 83858-5019
Document Number	2867054000
Map Reference	MB L PG 324
Instrument Date	Oct 7, 2021
Instrument	2867054000
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	12495 N WALDEN LOOP, RATHDRUM, ID 83858-5019

May 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KOOTENAI ID
Recording Date	May 7, 2020
Property Address	12495 N WALDEN LOOP, RATHDRUM, ID 83858-5019
Document Number	2750213000
Map Reference	MB L PG 324
Instrument Date	Apr 28, 2020
Instrument	2750213000
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 3, 2021
Title Company	KOOTENAI COUNTY TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1295 N WALDEN LOP, RATHDRUM, ID 83858

Mortgage

Document Number	2750214000
Date	May 7, 2020
Instrument	2750214000

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

November 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KOOTENAI ID
Recording Date	Nov 18, 2019
Property Address	12495 N WALDEN LOOP, RATHDRUM, ID 83858-5019
Document Number	2723427000
Map Reference	MB L PG 324
Instrument Date	Nov 13, 2019
Instrument	2723427000
Transaction Type	Construction Loan
Record Updated	Nov 3, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL KOOTENAI

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10149 N TARYNE ST, HAYDEN, ID 83835-9672

Mortgage

Document Number	2723428000
Date	Nov 18, 2019
Instrument	2723428000

Lender

Name	COLUMBIA STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kootenai County assessment roll, as of October 16, 2025

Property Jurisdictions

Type	Name
State	Idaho
County	Kootenai County
Unified School District	Lakeland Joint School District 272 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,514.00 (-2.58%) Homeowner's exemption	$1,256,096 (+18.98%) Land $393,616 Building $862,480	$1,256,096 (+18.98%) Land $393,616 Building $862,480
2024	$3,607.00 (+21.45%)
2023	$2,970.00 (-28.1%) Homeowner's exemption	$1,055,762 (-11.29%) Land $233,616 Building $822,146	$1,055,762 (-11.29%) Land $233,616 Building $822,146
2022	$4,131.00 Homeowner's exemption	$1,190,126 Land $252,592 Building $937,534	$1,190,126 Land $252,592 Building $937,534

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 15, 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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force

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 62% of the US · lower than 90% of Idaho
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	LOST CREEK ESTATES WATER private · serves 277 people · EPA ID ID1280331
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intermax Networks Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Wind Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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