2285 Steamboat Loop E, Port Orchard, WA 98366 Property Records

Kitsap County property record for 2285 Steamboat Loop E, Port Orchard, WA 98366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,106 sqft · built 2004
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on File
Last Sale	$349,000 (Apr 2016)
Tax Bill	$4,682 (2026)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5234-000-018-0304`

Property Details

APN / Parcel Number

Primary APN	`5234-000-018-0304`
Alternative APN	`2414175`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,106 sqft Living Area
Gross Area	2,634 sqft
1st Floor Area	1,218 sqft
Basement Area	528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Split Foyer
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	34,412 sqft (0.79 acres)
Terrain	Low
Garage Type	Basement
Garage Area	528 sqft
Deck Area	96 sqft
Patio Area	35 sqft
Canopy	35 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2285 STEAMBOAT LOOP E
City	PORT ORCHARD
State	WA
Zip	98366-4856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UL
Legal Description	LOT 18, HARBOR LIGHTS, ACCORDING TO THE PLAT THEREOF ON FILE IN VOLUME 27 OF PLATS, PAGES 161 TO 168, RECORDS OF KITSAP COUNTY, WASHINGTON.
Legal Range	2E
Legal Township	24
Legal Section	30
Legal Subdivision	HARBOR LIGHTS
Legal Block	2
Legal Lot Number	18
Jurisdiction	KITSAP WA
Township / Civil Division	PORT ORCHARD
Census Block Group	2
Census Block	2000
Census Tract	92500

Owner

2285 Steamboat Loop E is owned and occupied by two individuals who bought it in April 2016.

Source: Kitsap County records, as of September 16, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	2285 STEAMBOAT LOOP E, PORT ORCHARD, WA 98366-4856
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2016 · Amount on File
Deed Sale	Apr 19, 2016 · Amount on File
Prior Sale	Jun 29, 2007 · Amount on File
Deed Document Number	2016117
Prior Transfer Date	Jan 18, 2006
Prior Transfer Doc	0000000229
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	2285 STEAMBOAT LOOP E, PORT ORCHARD, WA 98366-4856
Document Number	0001210044
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2285 STEAMBOAT LOOP E PORT ORCHARD WA 983664856, PORT ORCHARD, WA 98366-4856

Mortgage

Document Number	0001210044
Date	Jan 21, 2021
Instrument	202101210044

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.12%

Tax Assessment & Valuation

The 2026 property tax bill for 2285 Steamboat Loop E was $4,682.

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

Property Jurisdictions

Type	Name
State	Washington
County	Kitsap County
Unified School District	South Kitsap School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027		$532,760 (-) Land $97,400 Building $435,360	$532,760 (-) Land $97,400 Building $435,360
2026	$4,682.00	$532,760 Land $97,400 Building $435,360	$532,760 Land $97,400 Building $435,360
2024	$4,044.00 (+0.62%)	$491,550 (-) Land $80,720 Building $410,830	$491,550 (-) Land $80,720 Building $410,830
2023	$4,019.00	$491,550 Land $80,720 Building $410,830	$491,550 Land $80,720 Building $410,830

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

Flood

FEMA maps place 2285 Steamboat Loop E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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	5 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2022 · Severe Winter Storms, Snowstorms, Straight-line Winds, Flooding

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 2285 Steamboat Loop E is low, with less than 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 94% of the US · lower than 96% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	West Sound Utility District #1 serves 28,930 people · EPA ID WA5302600
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	1 ppb (2021–2023) 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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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