27968 N Timber Ridge Rd, Rathdrum, ID 83858 Property Records

Kootenai County property record for 27968 N Timber Ridge Rd, Rathdrum, ID 83858

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,843 sqft · built 2022
Lot Size	10.6 acres (462,738 sqft)
Owner	2 Individual Names on File
Last Sale	$716,870 (Dec 2025)
Tax Bill	$1,193 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`53N04W300650`

Property Details

APN / Parcel Number

Primary APN	`53N04W300650`
Alternative APN	`215397`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,843 sqft Living Area
1st Floor Area	1,843 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Lot Area	462,738 sqft (10.6 acres)
Garage Type	Attached
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	215397
Street Address	27968 N TIMBER RIDGE RD
City	RATHDRUM
State	ID
Zip	83858-6630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	TAX #12900 3053N04W
Legal Range	04W
Legal Township	53N
Legal Section	30
Jurisdiction	KOOTENAI ID
Township / Civil Division	SPIRIT LAKE-ATHOL
Census Block Group	3
Census Block	3025
Census Tract	102

Owner

27968 N Timber Ridge Rd is owned and occupied by two individuals who bought it in December 2025.

Source: Kootenai County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 46, RATHDRUM, ID 83858-0046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Aug 28, 2026	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK
Dec 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage GESA CU
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage GLOBAL CU
Mar 2, 2021	Intrafamily Transfer, Transfer NEXTITLE N IDAHO, NEXTITLE NORTH IDAHO
Mar 2, 2021	Intrafamily Transfer, Transfer NEXTITLE N IDAHO, NEXTITLE NORTH IDAHO
Mar 2, 2021	Warranty Deed, Transfer · Conventional Mortgage GLOBAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on File
Deed Sale	Dec 10, 2025 · Amount on File
Prior Sale	Feb 3, 2025 · Amount on File
Deed Document Number	20253026447
Prior Transfer Date	Feb 26, 2021
Prior Transfer Doc	0002816203
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Recording Date	Aug 28, 2026
Property Address	27968 N TIMBER RIDGE RD, RATHDRUM, ID 83858-6630
Document Number	0003055193
Instrument Date	Aug 17, 2026
Instrument	20263055193
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27968 N TIMBER RIDGE RD, RATHDRUM, ID 83858-6630

Mortgage

Document Number	0003055193,
Date	Aug 28, 2026
Instrument	20263055193

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2056

Interest

Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	27968 N TIMBER RIDGE RD, RATHDRUM, ID 83858-6630
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	KOOTENAI COUNTY TITLE, KOOTENAI COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3026448000
Date	Dec 10, 2025
Instrument	3026448000

Lender

Name	GESA CU
Type	Credit Union
Address	RICHLAND, WA 99352

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	Jan 1, 2036
Change Frequency	10 Years
Min Rate At Change	4.99%
Max Rate At Change	9.99%
Index	10-Year TN
Max Rate	9.99%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	27968 N TIMBER RIDGE RD, RATHDRUM, ID 83858-6630
Transaction Type	Mortgage
Record Updated	May 9, 2024
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2966350000
Date	Apr 23, 2024
Instrument	2966350000

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	27968 N TIMBER RIDGE RD, RATHDRUM, ID 83858-6630
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	NOT AVAILABLE, KOOTENAI COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2833834000
Date	May 17, 2021
Instrument	2833834000

Lender

Name	GLOBAL CU
Type	Credit Union
Address	SPOKANE, WA 99201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	371 Months
Due	Apr 1, 2052

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KOOTENAI ID
Recording Date	Mar 2, 2021
Property Address	27968 N TIMBER RIDGE RD, RATHDRUM, ID 83858-6630
Document Number	2816203000
Instrument Date	Feb 26, 2021
Instrument	2816203000
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	NEXTITLE N IDAHO, NEXTITLE NORTH IDAHO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27599 N TIMBER RIDGE RD, RATHDRUM, ID 83858-6606

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KOOTENAI ID
Recording Date	Mar 2, 2021
Property Address	27968 N TIMBER RIDGE RD, RATHDRUM, ID 83858-6630
Document Number	2816204000
Instrument Date	Feb 26, 2021
Instrument	2816204000
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	NEXTITLE N IDAHO, NEXTITLE NORTH IDAHO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11815 E HEGLAR RD, MEAD, WA 99021-7736

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOOTENAI ID
Recording Date	Mar 2, 2021
Property Address	27968 N TIMBER RIDGE RD, RATHDRUM, ID 83858-6630
Document Number	2816205000
Instrument Date	Feb 23, 2021
Instrument	2816205000
Transaction Type	Transfer
Record Updated	Apr 30, 2024
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	4331 E FRENCH GULCH RD, COEUR D ALENE, ID 83814-7717

Mortgage

Document Number	2816206000
Date	Mar 2, 2021
Instrument	2816206000

Lender

Name	GLOBAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	10.1%
Index	1-Year LIBOR
Max Rate	10.1%

Tax Assessment & Valuation

The 2025 property tax bill for 27968 N Timber Ridge Rd was $1,193 with a homeowner's exemption, down 20.5% from the year before.

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	$1,193.00 (-20.47%) Homeowner's exemption	$580,699 Land $242,999 Building $337,700	$812,917 Land $475,217 Building $337,700
2024	$1,500.00 (-15.4%)
2023	$1,773.00 (+124.71%) Homeowner's exemption	$665,748 (+18.13%) Land $335,158 Building $330,590	$836,293 (+13.89%) Land $505,703 Building $330,590
2022	$789.00	$563,594 Land $233,004 Building $330,590	$734,293 Land $403,703 Building $330,590

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

Flood

FEMA maps place 27968 N Timber Ridge Rd in Zone X, an area of minimal flood risk.

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 File median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 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 27968 N Timber Ridge Rd is moderate, ranking above 47% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 86% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Intermax Networks Fixed Wireless	50 / 5

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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