14651 N Reflection Rd, Rathdrum, ID 83858 Property Records

Kootenai County property record for 14651 N Reflection Rd, Rathdrum, ID 83858

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,210 sqft · built 1995
Lot Size	24.2 acres (1,055,982 sqft)
Owner	Company on Record
Tax Bill	$6,514 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit Apr 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`51N05W043510`

Property Details

APN / Parcel Number

Primary APN	`51N05W043510`
Alternative APN	`115490`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	3,210 sqft Living Area
1st Floor Area	1,940 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Lot Area	1,055,982 sqft (24.2 acres)
Garage Type	Carport
Garage Area	621 sqft
Carport	Carport
Carport Area	621 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Shed	1 Shed
Shed Area	1,080 sqft
Stable	120 sqft
Pole Barn	640 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Account Number	115490
Street Address	14651 N REFLECTION RD
City	RATHDRUM
State	ID
Zip	83858-7655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGSUB
Legal Description	E2-GOVT LT 4, W 144 FT-GOVT LT 3 0451N05W
Legal Range	05W
Legal Township	51N
Legal Section	04
Legal Subdivision	PREMIER GARAGE CONDOMINIUMS
Legal Lot Number	3-4,451
Jurisdiction	KOOTENAI ID
Township / Civil Division	POST FALLS-RATHDRUM
Census Block Group	3
Census Block	3002
Census Tract	301

Owner

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

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

Owner of Record	Company on Record
Mailing Address	PO BOX 7846, BOISE, ID 83707-1846
Owner Type	Company
Vesting	Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2018	Deed of Trust, Mortgage · Line of Credit IDAHO CENTRAL CU
Apr 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage WILLAMETTE VALLEY BANK
Mar 11, 2020	Deed of Trust, Mortgage · Line of Credit IDAHO CENTRAL CU
Feb 12, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage IDAHO CENTRAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2022
Deed Sale	Sep 28, 2022
Prior Sale	Feb 12, 2020 · Amount on Record
Deed Document Number	20222916877
Prior Transfer Date	Apr 18, 2018
Prior Transfer Doc	2655115000
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	14651 N REFLECTION RD, RATHDRUM, ID 83858-7655
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2652393000
Date	Jul 16, 2018
Instrument	2652393000

Lender

Name	IDAHO CENTRAL CU
Type	Credit Union
Address	POCATELLO, ID 83206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 15, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	14651 N REFLECTION RD, RATHDRUM, ID 83858-7655
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	PIONEER LAND TITLE, PIONEER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2640245000
Date	Apr 23, 2018
Instrument	2640245000

Lender

Name	WILLAMETTE VALLEY BANK
Type	Bank
Address	SALEM, OR 97301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	14651 N REFLECTION RD, RATHDRUM, ID 83858-7655
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2740478000
Date	Mar 11, 2020
Instrument	2740478000

Lender

Name	IDAHO CENTRAL CU
Type	Credit Union
Address	POCATELLO, ID 83206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 10, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KOOTENAI ID
Recording Date	Feb 12, 2020
Property Address	14651 N REFLECTION RD, RATHDRUM, ID 83858-7655
Document Number	2736191000
Instrument Date	Feb 4, 2020
Instrument	2736191000
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	PIONEER TITLE KOOTENAI COUNTY, PIONEER TITLE KOOTENAI CNTY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	14651 N REFLECTION RD, RATHDRUM, ID 83858-7655

Mortgage

Document Number	2736192000
Date	Feb 12, 2020
Instrument	2736192000

Lender

Name	IDAHO CENTRAL CU
Type	Credit Union

Agreement

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

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	$6,514.00 (-4.5%)	$1,869,479 (+0.83%) Land $853,719 Building $1,015,760	$1,869,479 (+0.83%) Land $853,719 Building $1,015,760
2024	$6,821.00 (-3.59%)
2023	$7,075.00 (+35.98%)	$1,854,147 (+27.21%) Land $788,719 Building $1,065,428	$1,854,147 (+27.21%) Land $788,719 Building $1,065,428
2022	$5,203.00 Homeowner's exemption	$1,457,559 Land $663,630 Building $793,929	$1,457,559 Land $663,630 Building $793,929

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 44% of the US · lower than 88% of Idaho
Wildfire Likelihood	0.07% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wind Wireless Fixed Wireless	100 / 20
Wired or Wireless Fixed Wireless · not low latency	30 / 10
Ziply Fiber Fixed Wireless	10 / 1

May also be available: Intermax Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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