3781 E Mackay Dr, Meridian, ID 83642 Property Records

Ada County property record for 3781 E Mackay Dr, Meridian, ID 83642

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,261 sqft · built 2004
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,600 (Mar 2017)
Tax Bill	$2,552 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R8230020390`

Property Details

APN / Parcel Number

Primary APN	`R8230020390`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,261 sqft Living Area
Gross Area	4,486 sqft
1st Floor Area	1,992 sqft
Basement Area	1,269 sqft
Finished Basement	1,269 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	11,979 sqft (0.275 acres)
Garage Type	Attached
Garage Area	827 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	540 sqft
Porch	Porch
Porch Area	93 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3781 E MACKAY DR
City	MERIDIAN
State	ID
Zip	83642-3098
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 16 BLK 03 SUTHERLAND FARM SUB NO 01
Legal Range	01E
Legal Township	03N
Legal Section	21
Legal Subdivision	SUTHERLAND FARM SUB NO 01
Legal Block	03
Legal Lot Number	16
Jurisdiction	ADA ID
Township / Civil Division	BOISE CITY
Census Block Group	1
Census Block	1017
Census Tract	10343

Owner

Source: Ada County records, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3781 E MACKAY DR, MERIDIAN, ID 83642-3098
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Deed of Trust, Mortgage · Line of Credit IDAHO CENTRAL CU
Nov 23, 2021	Deed of Trust, Mortgage · ARM ROCKET MORTGAGE LLC
May 9, 2019	Deed of Trust, Mortgage QUICKEN LNS
Mar 23, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2017 · Amount on Record
Deed Sale	Mar 23, 2017 · Amount on Record
Prior Sale	Jun 1, 2015
Deed Document Number	201724255
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	3781 E MACKAY DR, MERIDIAN, ID 83642-3098
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055662
Date	Sep 28, 2023
Instrument	2023-055662

Lender

Name	IDAHO CENTRAL CU
Type	Credit Union
Address	POCATELLO, ID 83206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 27, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	3781 E MACKAY DR, MERIDIAN, ID 83642-3098
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000167415
Date	Nov 23, 2021
Instrument	2021-167415

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.5%
Index	Other
Margin	3
Max Rate	7.5%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	3781 E MACKAY DR, MERIDIAN, ID 83642-3098
Document Number	0000040224
Instrument Date	May 9, 2019
Transaction Type	Mortgage
Record Updated	May 24, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3781 E MACKAY DR MERIDIAN ID 836423098, MERIDIAN, ID 83642-3098

Mortgage

Document Number	0000040224
Date	May 15, 2019
Instrument	40224

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 14, 2049

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADA ID
Recording Date	Mar 23, 2017
Property Address	3781 E MACKAY DR, MERIDIAN, ID 83642-3098
Document Number	0000024255
Map Reference	MB86 PG9806-9808
Instrument Date	Mar 17, 2017
Instrument	2017-024255
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	TITLEONE BOISE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3781 E MACKAY DR, MERIDIAN, ID 83642-3098

Mortgage

Document Number	0000024256
Date	Mar 23, 2017
Instrument	2017-024256

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: Ada County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Idaho
County	Ada County
Municipality	Meridian City
Unified School District	Meridian Joint School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$671,700 (-2.85%)	$671,700 (-2.85%)
2025	$2,552.00 (-15.52%) Homeowner's exemption	$691,400 (+5.56%)	$691,400 (+5.56%)
2024	$3,021.00 (-20.56%)
2023		$655,000 Land $189,000 Building $466,000	$655,000 Land $189,000 Building $466,000
2022	$3,803.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 4, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Idaho
Wildfire Likelihood	0.03% 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	MERIDIAN WATER DEPT private · serves 152,070 people · EPA ID ID4010097
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	4 ppb (2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
White Cloud Communications Fixed Wireless	200 / 50
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Anthem Broadband, Silver Star Communications, Verizon.

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