13986 N Rainier Loop, Rathdrum, ID 83858 Property Records

Kootenai County property record for 13986 N Rainier Loop, Rathdrum, ID 83858

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,548 sqft · built 2021
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$801,059 (Jun 2026)
Tax Bill	$2,006 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RL3220010060`

Property Details

APN / Parcel Number

Primary APN	`RL3220010060`
Alternative APN	`339957`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,548 sqft Living Area
1st Floor Area	1,548 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Frame
Lot Area	5,009 sqft (0.115 acres)
Garage Type	Attached
Garage Area	481 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	339957
Street Address	13986 N RAINIER LOOP
City	RATHDRUM
State	ID
Zip	83858-5157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIAMOND SPIKE RATHDRUM, LT 6 BLOCK 1 0151N05W
Legal Range	05W
Legal Township	51N
Legal Section	01
Legal Subdivision	DIAMOND SPIKE RATHDRUM
Legal Block	1
Legal Lot Number	6
Jurisdiction	KOOTENAI ID
Township / Civil Division	POST FALLS-RATHDRUM
Census Block Group	1
Census Block	1006
Census Tract	301

Owner

Source: Kootenai County records, as of June 24, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	13986 N RAINIER LOOP, RATHDRUM, ID 83858-5157
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Warranty Deed, Transfer · Conventional Mortgage SUNFLOWER BANK
Apr 21, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Aug 23, 2021	Warranty Deed, Construction Loan · Construction Mortgage GOLD CANYON INVESTMENTS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2026 · Amount on Record
Deed Sale	Jun 4, 2026 · Amount on Record
Prior Sale	Apr 21, 2022 · Amount on Record
Deed Document Number	20263045030
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOOTENAI ID
Recording Date	Jun 4, 2026
Property Address	13986 N RAINIER LOOP, RATHDRUM, ID 83858-5157
Document Number	0003045030
Instrument Date	Jun 2, 2026
Instrument	20263045030
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	PIONEER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13986 N RAINIER LOOP, RATHDRUM, ID 83858-5157
Investor	Possibly a Property Investor

Mortgage

Document Number	0003045031,
Date	Jun 4, 2026
Instrument	20263045031

Lender

Name	SUNFLOWER BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KOOTENAI ID
Recording Date	Apr 21, 2022
Property Address	13986 N RAINIER LOOP, RATHDRUM, ID 83858-5157
Document Number	2896925000
Map Reference	MB 1 PG 322
Instrument Date	Apr 11, 2022
Instrument	2896925000
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 24, 2026
Title Company	ALLIANCE TITLE-COEUR D' ALENE, ALLIANCE TTL COEUR D ALENE O

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13986 N RAINIER LOOP, RATHDRUM, ID 83858-5157

Mortgage

Document Number	2896926000
Date	Apr 21, 2022
Instrument	2896926000

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

August 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KOOTENAI ID
Recording Date	Aug 23, 2021
Property Address	13986 N RAINIER LOOP, RATHDRUM, ID 83858-5157
Document Number	2854404000
Map Reference	MB L PG 322
Instrument Date	Jul 30, 2021
Instrument	2854404000
Transaction Type	Construction Loan
Record Updated	Jun 24, 2026
Title Company	ALLIANCE TITLE-COEUR D' ALENE, ALLIANCE TTL COEUR D ALENE O

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17071 PRISTINE CIRCLE, RATHDRUM, ID 83858

Mortgage

Document Number	2854405000
Date	Aug 23, 2021
Instrument	2854405000

Lender

Name	GOLD CANYON INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Feb 20, 2022

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,006.00 (+2.77%) Homeowner's exemption	$516,660 (+2.12%) Land $175,000 Building $341,660	$516,660 (+2.12%) Land $175,000 Building $341,660
2024	$1,952.00 (+5%)
2023	$1,859.00 (+81.01%) Homeowner's exemption	$505,935 (+6.32%) Land $175,000 Building $330,935	$505,935 (+6.32%) Land $175,000 Building $330,935
2022	$1,027.00 Homeowner's exemption	$475,850 Land $175,000 Building $300,850	$475,850 Land $175,000 Building $300,850

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 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 80% of the US · lower than 95% of Idaho
Wildfire Likelihood	0.03% 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	CITY OF RATHDRUM serves 10,358 people · EPA ID ID1280152
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 366 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Ziply Fiber Fiber	6,000 / 6,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
Intermax Networks Fixed Wireless	100 / 20
Wind Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

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