3855 Reflection Ln E, Port Orchard, WA 98366 Property Records

Kitsap County property record for 3855 Reflection Ln E, Port Orchard, WA 98366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,772 sqft · built 1997
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on File
Last Sale	$665,000 (Sep 2020)
Tax Bill	$6,671 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Feb 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`172402-3-116-2002`

Property Details

APN / Parcel Number

Primary APN	`172402-3-116-2002`
Alternative APN	`2170124`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,772 sqft Living Area
1st Floor Area	2,108 sqft
2nd Floor Area	664 sqft
Attic	Attic
Attic Area	544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	43,124 sqft (0.99 acres)
View / Lot	Water View
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Deck Area	756 sqft
Patio Area	104 sqft
Canopy	860 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Street Address	3855 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 B, SHORT PLAT NO. 5745, AS RECORDED AUDITORS FILE NO. 9204030004, RECORDS OF KITSAP COUNTY, WASHINGTON, BEING A PORTION GOVERNMENT LOT 3, SECTION 17, TOWNSHIP 24 NORTH, RANGE 2 EAST, W.M., IN KITSAP COUNTY, WASHINGTON; TOGETHER WITH AND SUBJECT T
Legal Range	2E
Legal Township	24
Legal Section	17
Legal Subdivision	SHORT PLAT NO. 5745
Legal Block	1
Legal Lot Number	B
Jurisdiction	KITSAP WA
Township / Civil Division	PORT ORCHARD
Census Block Group	1
Census Block	1000
Census Tract	92500

Owner

3855 Reflection Ln E is owned and occupied by two individuals who bought it in September 2020.

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	3855 REFLECTION LN E, PORT ORCHARD, WA 98366-8016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2020	Grant Deed, Transfer · Conventional Mortgage AXIA FIN'L
Feb 4, 2020	Warranty Deed, Transfer PACIFIC NW TITLE SILVERDALE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2020 · Amount on File
Deed Sale	Sep 21, 2020 · Amount on File
Prior Sale	Feb 4, 2020 · Amount on File
Deed Document Number	2020210386
Record Updated	Oct 29, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KITSAP WA
Recording Date	Sep 21, 2020
Property Address	3855 REFLECTION LN E, PORT ORCHARD, WA 98366-8016
Document Number	0009210386
Instrument Date	Sep 10, 2020
Instrument	202009210386
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,942.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3855 REFLECTION LN E PORT ORCHARD WA 983668016, PORT ORCHARD, WA 98366-8016

Mortgage

Document Number	9210387
Date	Sep 21, 2020
Instrument	202009210387

Lender

Name	AXIA FIN'L
Type	Funding / Finance Company
Address	BELLEVUE, WA 98004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KITSAP WA
Recording Date	Feb 4, 2020
Property Address	3855 REFLECTION LN E, PORT ORCHARD, WA 98366-8016
Document Number	0002040161
Instrument Date	Jan 30, 2020
Instrument	202002040161
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	PACIFIC NW TITLE SILVERDALE

Transaction

Amount	Amount on Record
Tax	$5,813.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2015 MANHATTAN BEACH BLVD #100 REDONDO BEACH CA 902781230, 100, REDONDO BEACH, CA 90278-1230
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 3855 Reflection Ln E was $6,671.

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		$859,970 (+11.18%) Land $124,710 Building $735,260	$859,970 (+11.18%) Land $124,710 Building $735,260
2026	$6,671.00	$773,470 Land $113,470 Building $660,000	$773,470 Land $113,470 Building $660,000
2024	$6,302.00 (+0.67%)	$773,470 (-) Land $113,470 Building $660,000	$773,470 (-) Land $113,470 Building $660,000
2023	$6,260.00	$773,470 Land $113,470 Building $660,000	$773,470 Land $113,470 Building $660,000

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

Flood

FEMA maps place 3855 Reflection Ln E in Zone X, an area of minimal flood risk.

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
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 3855 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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