2044 E Chilco Rd, Rathdrum, ID 83858 Property Records

Kootenai County property record for 2044 E Chilco Rd, Rathdrum, ID 83858 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,888 sqft · built 2005
Lot Size	5 acres (218,192 sqft)
Owner	2 Company Names on File
Last Sale	$412,500 (Apr 2008)
Tax Bill	$2,837 (2025)
Deeds & Mortgages	Jun 2022 Reverse Mortgage Mar 2017 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012970010020`

Property Details

APN / Parcel Number

Primary APN	`012970010020`
Alternative APN	`254005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,888 sqft Living Area
1st Floor Area	2,888 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	218,192 sqft (5 acres)
Garage Type	Attached
Garage Area	930 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	254005
Street Address	2044 E CHILCO RD
City	RATHDRUM
State	ID
Zip	83858-6001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHILCO ESTATES, LT 2 BLOCK 1 1352N04W
Legal Range	04W
Legal Township	52N
Legal Section	13
Legal Subdivision	CHILCO ESTATES
Legal Block	1
Legal Lot Number	2
Jurisdiction	KOOTENAI ID
Township / Civil Division	SPIRIT LAKE-ATHOL
Census Block Group	2
Census Block	2013
Census Tract	201

Owner

Source: Kootenai County records · APN 012970010020

Assessment roll updated October 16, 2025 · Last verified August 2026

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

Owner of Record	2 Company Names on File
Mailing Address	2044 E CHILCO RD, RATHDRUM, ID 83858-6001
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Mar 14, 2017	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Jul 16, 2019	Quit Claim Deed, Transfer NOT AVAILABLE, KOOTENAI COUNTY TITLE CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 11, 2008 · Amount on Record
Deed Sale	Apr 11, 2008 · Amount on Record
Prior Sale	Jun 30, 2006 · Amount on Record
Deed Document Number	20082153700000
Last Transfer Date	May 09, 2024
Transfer Doc	0002968184
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	2044 E CHILCO RD, RATHDRUM, ID 83858-6001
Transaction Type	Mortgage
Record Updated	Jul 04, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL KOOTENAI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2044 E CHILCO RD, RATHDRUM, ID 83858-6001

Mortgage

Document Number	2905032000
Date	Jun 21, 2022
Instrument	2905032000

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	848 Months
Due	Feb 13, 2093

Interest

Rate Type	Fixed Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	2044 E CHILCO RD, RATHDRUM, ID 83858-6001
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	KOOTENAI COUNTY TITLE, KOOTENAI COUNTY TITLE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2586162000
Date	Mar 14, 2017
Instrument	2586162000

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	911 Months
Due	Feb 13, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.44%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 01, 2018
Change Frequency	Annually
Min Rate At Change	4.44%
Max Rate At Change	5%
Index	1-Year LIBOR
Margin	2
Max Rate	5%

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KOOTENAI ID
Recording Date	Jul 16, 2019
Property Address	2044 E CHILCO RD, RATHDRUM, ID 83858-6001
Document Number	2702186000
Map Reference	MB G PG 125
Instrument Date	Jul 03, 2019
Instrument	2702186000
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	NOT AVAILABLE, KOOTENAI COUNTY TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17965 N CRICLE S TRL, RATHDRUM, ID 83858-7113

Tax Assessment & Valuation

Source: Kootenai County records · Assessment roll updated October 16, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,837.00 (-4.41%) Homeowner's exemption	$1,008,461 (-10.82%) Land $303,211 Building $705,250	$1,008,461 (-10.82%) Land $303,211 Building $705,250
2024	$2,968.00 (-9.37%)
2023	$3,275.00 (+60.78%) Homeowner's exemption	$1,130,839 (-1.86%) Land $289,263 Building $841,576	$1,130,839 (-1.86%) Land $289,263 Building $841,576
2022	$2,037.00 Homeowner's exemption	$1,152,235 Land $289,263 Building $862,972	$1,152,235 Land $289,263 Building $862,972

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kootenai County (16055C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 12% of Idaho
Wildfire Likelihood	About 1 in 1,449 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)	Low Latency
Verizon	Fixed Wireless	300 / 20	Yes
Newmax	Fixed Wireless (unlicensed)	100 / 20	Yes
Wired or Wireless	Fixed Wireless (unlicensed)	30 / 10	No
Northwest Fiber	Fixed Wireless (licensed-by-rule)	25 / 5	Yes
Starlink	Satellite (low-earth orbit)	280 / 30	Yes

May also be available at this address: Newmax, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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