21781 Windmill Loop NW, Poulsbo, WA 98370 Property Records

Kitsap County property record for 21781 Windmill Loop NW, Poulsbo, WA 98370

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,988 sqft · built 2013
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$607,000 (Oct 2025)
Tax Bill	$5,004 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5581-000-046-0002`

Property Details

APN / Parcel Number

Primary APN	`5581-000-046-0002`
Alternative APN	`2545333`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,988 sqft Living Area
Gross Area	2,492 sqft
1st Floor Area	759 sqft
2nd Floor Area	1,229 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Multi-Level
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Deck Area	94 sqft
Patio Area	94 sqft
Canopy	208 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	21781 WINDMILL LOOP NW
City	POULSBO
State	WA
Zip	98370-9808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	LOT 046, LIBERTY HILL, ACCORDING TO THE PLAT RECORDED IN VOLUME 33 OF PLATS, PAGE(S) 68-73, INCLUSIVE, RECORDS OF KITSAP COUNTY, WASHINGTON; SITUATE IN KITSAP COUNTY, WASHINGTON.
Legal Range	1E
Legal Township	26
Legal Section	10
Legal Subdivision	LIBERTY HILL
Legal Block	1
Legal Lot Number	046
Jurisdiction	KITSAP WA
Township / Civil Division	POULSBO
Census Block Group	1
Census Block	1015
Census Tract	90201

Owner

21781 Windmill Loop NW is owned and occupied by an individual who bought it in October 2025.

Source: Kitsap County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	21781 WINDMILL LOOP NW, POULSBO, WA 98370-9808
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Jun 9, 2025	Deed of Trust, Mortgage · Line of Credit EVERGREEN MONEYSOURCE MORTGAGE CO
Oct 21, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 21, 2025	Intrafamily Transfer, Transfer WFG NATIONAL TITLE COMPANY/WA LLC, WFG NATL TITLE CO OF WA LLC
Jul 28, 2018	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2025 · Amount on File
Deed Sale	Oct 21, 2025 · Amount on File
Prior Sale	Apr 9, 2013 · Amount on File
Deed Document Number	202569
Prior Transfer Date	Oct 17, 2025
Prior Transfer Doc	0000000149
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	21781 WINDMILL LOOP NW, POULSBO, WA 98370-9808
Transaction Type	Mortgage
Record Updated	Oct 31, 2025
Title Company	PACIFIC NORTHWEST TITLE INSURANCE, PACIFIC NORTHWEST TTL SILVER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000124
Date	Sep 15, 2021
Instrument	202109150124

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	21781 WINDMILL LOOP NW, POULSBO, WA 98370-9808
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000008
Date	Jun 9, 2025
Instrument	202506090008

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company
Address	BELLEVUE, WA 98006

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KITSAP WA
Recording Date	Oct 21, 2025
Property Address	21781 WINDMILL LOOP NW, POULSBO, WA 98370-9808
Document Number	0000000069
Map Reference	VOL 33 PG 68-73
Instrument Date	Oct 19, 2025
Instrument	202510210069
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	WFG NATIONAL TITLE COMPANY/WA LLC, WFG NATL TITLE CO OF WA LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,864.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21781 WINDMILL LOOP NW, POULSBO, WA 98370-9808

Mortgage

Document Number	0000000070
Date	Oct 21, 2025
Instrument	202510210070

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KITSAP WA
Recording Date	Oct 21, 2025
Property Address	21781 WINDMILL LOOP NW, POULSBO, WA 98370-9808
Document Number	0000000149
Map Reference	VOL 33 PG 68-73
Instrument Date	Oct 17, 2025
Instrument	202510210149
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	WFG NATIONAL TITLE COMPANY/WA LLC, WFG NATL TITLE CO OF WA LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21731 WINDMILL LOOP NW, POULSBO, WA 98370-9808

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	21781 WINDMILL LOOP NW, POULSBO, WA 98370-9808
Document Number	0008020092
Instrument Date	Jul 28, 2018
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	PACIFIC NW TITLE SILVERDALE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21781 WINDMILL LOOP NW POULSBO WA 983709808, POULSBO, WA 98370-9808

Mortgage

Document Number	0008020092
Date	Aug 2, 2018
Instrument	201808020092

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 21781 Windmill Loop NW was $5,004, up 2.5% from the year before.

Source: Kitsap County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Kitsap County
Municipality	Poulsbo City
Unified School District	North Kitsap School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027		$554,930 (-) Land $108,070 Building $446,860	$554,930 (-) Land $108,070 Building $446,860
2026	$5,004.00 (+2.54%)	$554,930 (-) Land $108,070 Building $446,860	$554,930 (-) Land $108,070 Building $446,860
2025	$4,880.00 (+9.03%)	$554,930 (+5.78%) Land $108,070 Building $446,860	$554,930 (+5.78%) Land $108,070 Building $446,860
2024	$4,476.00 (-1.67%)	$524,630 (-) Land $101,060 Building $423,570	$524,630 (-) Land $101,060 Building $423,570
2023	$4,552.00	$524,630 Land $101,060 Building $423,570	$524,630 Land $101,060 Building $423,570

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

Flood

FEMA maps place 21781 Windmill Loop NW in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 11, 2021 · 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
Nearby Flood Policies	1 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

Wildfire risk around 21781 Windmill Loop NW is low, with a 0.01% annual chance of 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 84% of Washington
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	VINLAND serves 4,801 people · EPA ID WA5391923
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
CenturyLink Fiber	100 / 100

May also be available: Kitsap PUD.

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