3539 S 3rd Way, Ridgefield, WA 98642 Property Records

Clark County property record for 3539 S 3rd Way, Ridgefield, WA 98642

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.25 ba · 2,441 sqft · built 2006
Lot Size	0.098 acres (4,278 sqft)
Owner	Individual Name on File
Last Sale	$346,900 (May 2019)
Tax Bill	$4,471 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0000000002138080`

Property Details

APN / Parcel Number

Primary APN	`0000000002138080`
Alternative APN	`213808090`

Interior

Bedrooms	4 Beds
Full Baths	3.25 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,441 sqft Living Area
Gross Area	2,882 sqft
1st Floor Area	1,057 sqft
2nd Floor Area	1,384 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Concrete
Lot Area	4,278 sqft (0.098 acres)
Lot Dimensions	47 ft deep x 91 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3539 S 3RD WAY
City	RIDGEFIELD
State	WA
Zip	98642-5407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD-4
Legal Description	CEDAR RIDGE PH 1 LOT 45 SUB 2007 FOR ASSESSOR USE ONLY CEDAR RIDGE PH 1 LOT 45 SUB 2007
Legal Range	1E
Legal Township	4N
Legal Section	20
Legal Subdivision	CEDAR RIDGE PH 1
Legal Phase	1
Legal Lot Number	45
Jurisdiction	CLARK WA
Township / Civil Division	RIDGEFIELD
Census Block Group	3
Census Block	3002
Census Tract	40303

Owner

3539 S 3rd Way is owned and occupied by an individual who bought it in May 2019.

Source: Clark County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	3539 S 3RD WAY, RIDGEFIELD, WA 98642-5407
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Deed of Trust, Mortgage · Line of Credit TWINSTAR CU
Feb 28, 2025	Deed of Trust, Mortgage · Line of Credit TWINSTAR CU
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 9, 2019	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2019 · Amount on File
Deed Sale	May 9, 2019 · Amount on File
Prior Sale	Sep 28, 2015 · Amount on File
Deed Document Number	20195606274
Prior Transfer Date	Sep 24, 2015
Prior Transfer Doc	0005217734
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK WA
Property Address	3539 S 3RD WAY, RIDGEFIELD, WA 98642-5407
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006291566
Date	Dec 9, 2025
Instrument	6291566

Lender

Name	TWINSTAR CU
Type	Credit Union
Address	OLYMPIA, WA 98507

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 8, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK WA
Property Address	3539 S 3RD WAY, RIDGEFIELD, WA 98642-5407
Transaction Type	Mortgage
Record Updated	Mar 16, 2026
Title Company	WFG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006234727
Date	Feb 28, 2025
Instrument	6234727

Lender

Name	TWINSTAR CU
Type	Credit Union
Address	OLYMPIA, WA 98507

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 27, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK WA
Property Address	3539 S 3RD WAY, RIDGEFIELD, WA 98642-5407
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	CHICAGO TITLE VANCOUVER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005775633
Date	Aug 18, 2020
Instrument	5775633

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLARK WA
Recording Date	May 9, 2019
Property Address	3539 S 3RD WAY, RIDGEFIELD, WA 98642-5407
Document Number	0005606274
Map Reference	VOL 311 PG 280
Instrument Date	May 3, 2019
Instrument	5606274
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	WFG CLARK COUNTY RESWARE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,179.82
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3539 S 3RD WAY, RIDGEFIELD, WA 98642-5407

Mortgage

Document Number	0005606275
Date	May 9, 2019
Instrument	5606275

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Mortgage

Document Number	0005606276
Date	May 9, 2019
Instrument	5606276

Lender

Name	WASHINGTON STATE HOUSING FIN COMMISSION
Type	Government Agency
Address	00000

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3539 S 3rd Way was $4,471.

Source: Clark County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Clark County
Municipality	Ridgefield City
Unified School District	Ridgefield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$473,989 (-9.84%) Land $131,878 Building $342,111	$473,989 (-9.84%) Land $131,878 Building $342,111
2025	$4,471.00	$525,722 (+4.18%) Land $150,496 Building $375,226	$525,722 (+4.18%) Land $150,496 Building $375,226
2024	$4,471.00 (+3.93%)	$504,651 (-2.45%) Land $145,000 Building $359,651	$504,651 (-2.45%) Land $145,000 Building $359,651
2023	$4,302.00	$517,347 (+16.41%) Land $145,000 Building $372,347	$517,347 (+16.41%) Land $145,000 Building $372,347
2022		$444,427 Land $104,423 Building $340,004	$444,427 Land $104,423 Building $340,004

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

Flood

FEMA maps place 3539 S 3rd Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 10, 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
Nearby Flood Policies	2 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 3539 S 3rd Way 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 98% of the US · lower than 98.6% of Washington
Wildfire Likelihood	Under 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	RIDGEFIELD PUBLIC WORKS serves 21,225 people · EPA ID WA5372400
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	2 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	None 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 282 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
Starlink Satellite	280 / 30

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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