3844 Reflection Ln E, Port Orchard, WA 98366 Property Records

Kitsap County property record for 3844 Reflection Ln E, Port Orchard, WA 98366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,726 sqft · built 1989
Lot Size	1.07 acres (47,044 sqft)
Owner	2 Individual Names on File
Last Sale	$695,385 (Apr 2020)
Tax Bill	$8,113 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`172402-3-113-2005`

Property Details

APN / Parcel Number

Primary APN	`172402-3-113-2005`
Alternative APNs	`17240231112007` `2032092`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	3,726 sqft Living Area
Gross Area	4,332 sqft
1st Floor Area	2,365 sqft
2nd Floor Area	1,361 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1991
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Roof Material	Concrete
Lot Area	47,044 sqft
Terrain	High
View / Lot	Water View
Garage Type	Attached
Garage Area	606 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	209 sqft
Patio Area	36 sqft
Cabin	126 sqft
Canopy	78 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	3844 REFLECTION LN E
City	PORT ORCHARD
State	WA
Zip	98366-8016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	(LOT A SHORT PLAT NO 4815 RECORDED UNDER AUDITOR NO 8810180127) THAT PORTION OF GOVERNMENT LOT 3 IN SECTION 17, TOWNSHIP 24 NORTH, RANGE 2 EAST, W.M., IN KITSAP COUNTY, WASHINGTON, DESCRIBED AS FOLLOWS: BEGINNING AT THE SOUTHEAST CORNER OF SAID GOVER
Legal Range	2E
Legal Township	24
Legal Section	17
Legal Subdivision	SP#4815
Legal Block	1
Legal Lot Number	A
Jurisdiction	KITSAP WA
Township / Civil Division	PORT ORCHARD
Census Block Group	1
Census Block	1000
Census Tract	92500

Owner

3844 Reflection Ln E is owned and occupied by two individuals who acquired it in October 2024.

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	3844 REFLECTION LN E, PORT ORCHARD, WA 98366-8016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Line of Credit PENINSULA COMMUNITY FCU
Apr 16, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2020 · Amount on File
Deed Sale	Apr 16, 2020 · Amount on File
Prior Sale	Jul 10, 2015 · Amount on File
Deed Document Number	2020160154
Last Transfer Date	Oct 29, 2024
Transfer Doc	0000000123
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	3844 REFLECTION LN E, PORT ORCHARD, WA 98366-8016
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3844 REFLECTION LN E, PORT ORCHARD, WA 98366-8016

Mortgage

Document Number	0000000180
Date	Jun 21, 2022
Instrument	202206210180

Lender

Name	PENINSULA COMMUNITY FCU
Type	Credit Union
Address	SHELTON, WA 98584

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KITSAP WA
Recording Date	Apr 16, 2020
Property Address	3844 REFLECTION LN E, PORT ORCHARD, WA 98366-8016
Document Number	0004160154
Instrument Date	Apr 13, 2020
Instrument	202004160154
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	ATTORNEY'S TITLE, ATTORNEY'S TITLE/KITSAP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,483.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3844 REFLECTION LN E PORT ORCHARD WA 983668016, PORT ORCHARD, WA 98366-8016

Mortgage

Document Number	4160155
Date	Apr 16, 2020
Instrument	202004160155

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3844 Reflection Ln E was $8,113, up 0.5% from the year before.

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		$995,360 (+5.43%) Land $109,260 Building $886,100	$995,360 (+5.43%) Land $109,260 Building $886,100
2026	$8,113.00 (+0.5%)	$944,110 Land $148,780 Building $795,330	$944,110 Land $148,780 Building $795,330
2025	$8,073.00 (+4.95%)
2024	$7,692.00 (+0.65%)	$944,110 (-) Land $148,780 Building $795,330	$944,110 (-) Land $148,780 Building $795,330
2023	$7,642.00	$944,110 Land $148,780 Building $795,330	$944,110 Land $148,780 Building $795,330

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

Flood

FEMA maps place 3844 Reflection Ln E 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 November 11, 2021 · 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
Nearby Flood Policies	6 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 3844 Reflection Ln E 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.

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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Reflection Ln E

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