14045 N Rainier Loop, Rathdrum, ID 83858 Property Records

Kootenai County property record for 14045 N Rainier Loop, Rathdrum, ID 83858

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,270 sqft · built 2020
Lot Size	0.114 acres (5,009 sqft)
Owner	Company Name on Record
Tax Bill	$2,690 (2025)
Deeds & Mortgages	Apr 2021 Reverse Mortgage Apr 2020 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RL3220030060`

Property Details

APN / Parcel Number

Primary APN	`RL3220030060`
Alternative APN	`339983`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,270 sqft Living Area

Exterior

Year Built	Built 2020
Construction Type	Frame
Foundation Type	Concrete
Lot Area	5,009 sqft (0.114 acres)
Garage Type	Attached
Garage Area	599 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Space Heater

Location & Zoning

Account Number	339983
Street Address	14045 N RAINIER LOOP
City	RATHDRUM
State	ID
Zip	83858-5171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIAMOND SPIKE RATHDRUM, LT 6 BLOCK 3 0151N05W
Legal Block	3
Legal Lot Number	6
Jurisdiction	KOOTENAI ID
Township / Civil Division	POST FALLS-RATHDRUM
Census Block Group	1
Census Block	1013
Census Tract	301

Owner

Source: Kootenai County records, as of December 1, 2025

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

Owner of Record	Company Name on Record
Mailing Address	2864 S EVERGREEN LN, COEUR D ALENE, ID 83814-6813
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 27, 2020	Warranty Deed, Subdivision Related Transfer · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2024
Deed Sale	Jun 7, 2024
Deed Document Number	2748110000
Prior Transfer Date	Apr 27, 2020
Prior Transfer Doc	2748110000
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	14045 N RAINIER LOOP, RATHDRUM, ID 83858-5171
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	NOT AVAILABLE, KOOTENAI COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14045 N RAINIER LOOP, RATHDRUM, ID 83858-5171

Mortgage

Document Number	2823415000
Date	Apr 1, 2021
Instrument	2823415000

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	877 Months
Due	May 19, 2094

Interest

Rate Type	Adjustable Rate
Rate	2.73%
Change Frequency	Annually

April 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KOOTENAI ID
Recording Date	Apr 27, 2020
Property Address	14045 N RAINIER LOOP, RATHDRUM, ID 83858-5171
Document Number	2748110000
Map Reference	MB L PG 322
Instrument Date	Apr 7, 2020
Instrument	2748110000
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 7, 2023
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	Living Trust
Address	19045 N RAINIER LOOP, RATHDRUM, ID 83858

Mortgage

Document Number	2748111000
Date	Apr 27, 2020
Instrument	2748111000

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	889 Months
Due	May 19, 2094

Interest

Rate Type	Adjustable Rate
Rate	3.73%
Type Change Date	May 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

Source: Kootenai County assessment roll, as of January 1, 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	$2,690.00 (+1,445.98%)	$468,865 (+1.34%) Land $175,000 Building $293,865	$468,865 (+1.34%) Land $175,000 Building $293,865
2024	$174.00 (+52.63%)
2023	$114.00 (-76.2%) Homeowner's exemption	$462,683 (+5.99%) Land $175,000 Building $287,683	$462,683 (+5.99%) Land $175,000 Building $287,683
2022	$479.00 Homeowner's exemption	$436,530 Land $175,000 Building $261,530	$436,530 Land $175,000 Building $261,530

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	0.01% 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	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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