Pacific County property record for 3 Spruce Ln, South Bend, WA 98586
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,584 sqft · built 2003 |
| Lot Size | 0.64 acres (27,878 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,767 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 71028000023 |
| Primary APN | 71028000023 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,584 sqft Living Area |
| Gross Area | 3,606 sqft |
| 1st Floor Area | 1,292 sqft |
| Flooring | Covered |
| Elevator | Elevator |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 27,878 sqft (0.64 acres) |
| Lot Dimensions | 200 ft deep x 140 ft wide |
| Terrain | Rolling |
| View / Lot | Bay |
| Garage Type | Attached |
| Garage Area | 794 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Slab |
| Deck Area | 456 sqft |
| Patio Area | 456 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Septic |
| Street Address | 3 SPRUCE LN |
|---|---|
| City | SOUTH BEND |
| State | WA |
| Zip | 98586-9008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | WILSON POINT ESTATES, LOT 23 |
| Legal Subdivision | WILSON POINT ESTATE |
| Legal Tract | A |
| Legal Lot Number | 23 |
| Jurisdiction | PACIFIC WA |
| Township / Civil Division | RAYMOND |
| Census Block Group | 3 |
| Census Block | 3108 |
| Census Tract | 950301 |
3 Spruce Ln is owned and occupied by two individuals who acquired it in November 2024.
Source: Pacific County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 SPRUCE LN, SOUTH BEND, WA 98586-9008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 8, 2024 |
| Transfer Doc | 0003227533 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PACIFIC WA |
| Property Address | 3 SPRUCE LN, SOUTH BEND, WA 98586-9008 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0003214574 |
|---|---|
| Date | Sep 12, 2022 |
| Instrument | 3214574 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 164 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PACIFIC WA |
| Property Address | 3 SPRUCE LN, SOUTH BEND, WA 98586-9008 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0003204057 |
|---|---|
| Date | Jun 18, 2021 |
| Instrument | 3204057 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | May 1, 2036 |
The 2025 property tax bill for 3 Spruce Ln was $4,767.
Source: Pacific County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Pacific County |
| Unified School District | South Bend School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $570,800 (-) Land $104,000 Building $466,800 | $570,800 (-) Land $104,000 Building $466,800 | |
| 2025 | $4,767.00 | $570,800 (-) Land $104,000 Building $466,800 | $570,800 (-) Land $104,000 Building $466,800 |
| 2024 | $570,800 (+26.2%) Land $104,000 Building $466,800 | $570,800 (+26.2%) Land $104,000 Building $466,800 | |
| 2023 | $4,237.00 | $452,300 Land $84,500 Building $367,800 | $452,300 Land $84,500 Building $367,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Spruce Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 21, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 48 policies |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 3 (2015–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Dec 2024 · rainfall accumulation |
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 risk around 3 Spruce Ln 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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