14413 W Nelson Loop Rd, Rathdrum, ID 83858 Property Records

Kootenai County property record for 14413 W Nelson Loop Rd, Rathdrum, ID 83858

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,348 sqft · built 2006
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,085,280 (Sep 2023)
Tax Bill	$2,613 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52N05W281570`

Property Details

APN / Parcel Number

Primary APN	`52N05W281570`
Alternative APN	`115066`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,348 sqft Living Area
1st Floor Area	1,988 sqft
Family Room	Family Room
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Account Number	115066
Street Address	14413 W NELSON LOOP RD
City	RATHDRUM
State	ID
Zip	83858-7610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	TAX #17349 2852N05W
Legal Range	05W
Legal Township	52N
Legal Section	28
Jurisdiction	KOOTENAI ID
Township / Civil Division	POST FALLS-RATHDRUM
Census Block Group	1
Census Block	1005
Census Tract	304

Owner

Source: Kootenai County records, as of May 22, 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	14413 W NELSON LOOP RD, RATHDRUM, ID 83858-7610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2023	Warranty Deed, Transfer · Conventional Mortgage GESA CU
Nov 9, 2018	Deed of Trust, Mortgage PANHANDLE AREA COUNCIL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on Record
Deed Sale	Sep 19, 2023 · Amount on Record
Prior Sale	Sep 8, 2014 · Amount on Record
Deed Document Number	20232948617
Prior Transfer Date	Apr 9, 2015
Prior Transfer Doc	2483652000
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOOTENAI ID
Recording Date	Sep 19, 2023
Property Address	14413 W NELSON LOOP RD, RATHDRUM, ID 83858-7610
Document Number	2948617000
Instrument Date	Sep 15, 2023
Instrument	2948617000
Transaction Type	Transfer
Record Updated	Oct 3, 2023
Title Company	NEXTITLE N IDAHO, NEXTITLE NORTH IDAHO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14413 W NELSON LOOP RD, TWIN LAKES, ID 83858-7610

Mortgage

Document Number	2948618000
Date	Sep 19, 2023
Instrument	2948618000

Lender

Name	GESA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	Oct 1, 2028
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	13%
Index	5-Year TN
Max Rate	13%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	14413 W NELSON LOOP RD, RATHDRUM, ID 83858-7610
Transaction Type	Mortgage
Record Updated	Aug 4, 2022
Title Company	KOOTENAI COUNTY TITLE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2669917000
Date	Nov 9, 2018
Instrument	2669917000

Lender

Name	PANHANDLE AREA COUNCIL INC
Type	Non-Lending Institution
Address	HAYDEN, ID 83835

Agreement

Amount	Amount Recorded

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	$2,613.00 (-15.52%)	$994,810 (+15.33%) Land $354,000 Building $640,810	$994,810 (+15.33%) Land $354,000 Building $640,810
2024	$3,093.00 (+43.46%)
2023	$2,156.00 (-25.68%) Homeowner's exemption	$862,548 (-12.08%) Land $294,000 Building $568,548	$862,548 (-12.08%) Land $294,000 Building $568,548
2022	$2,901.00 Homeowner's exemption	$981,056 Land $306,500 Building $674,556	$981,056 Land $306,500 Building $674,556

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	Moderate above 54% of the US · lower than 84% of Idaho
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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