414 Reflection Ln SE, Rainier, WA 98576 Property Records

Thurston County property record for 414 Reflection Ln SE, Rainier, WA 98576

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,662 sqft · built 2019
Lot Size	0.889 acres (38,768 sqft)
Owner	Individual Name on File
Last Sale	$237,048 (Jul 2019)
Tax Bill	$11 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`6355-00-17700`

Property Details

APN / Parcel Number

Primary APN	`6355-00-17700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,662 sqft Finished Area
1st Floor Area	691 sqft
Upper Floors Area	971 sqft
Flooring	Wood

Exterior

Year Built	Built 2019
Exterior Material	Metal
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	38,768 sqft (0.889 acres)
Garage Type	Built-in
Garage Area	361 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Covered Porch
Porch Area	96 sqft
Patio Area	240 sqft
Utility Building	600 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	414 REFLECTION LN SE
City	RAINIER
State	WA
Zip	98576-9748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 04 TOWNSHIP 16 RANGE 1E PLAT MOUNTAIN VIEW ESTATES RAINIER PH B LT 177 DOCUMENT 810249
Legal Range	01E
Legal Township	16N
Legal Section	04
Legal Quarter	NW
Legal Subdivision	MOUNTAIN VIEW ESTATES RAINIER
Legal Phase	B
Legal Lot Number	177
Jurisdiction	THURSTON WA
Township / Civil Division	THURSTON SOUTH
Census Block Group	2
Census Block	2005
Census Tract	12530

Owner

414 Reflection Ln SE is owned and occupied by an individual who bought it in July 2019.

Source: Thurston County records, as of March 11, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	414 REFLECTION LN SE, RAINIER, WA 98576-9748
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
Oct 18, 2021	Deed of Trust, Mortgage · VA Mortgage ARCUS LENDING INC
Jul 24, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE- THURSTON COUNTY TITLE, FIRST AMERICAN TITLE- THURSTON
Jul 24, 2019	Warranty Deed, Transfer · VA Mortgage LAND-HOME FINANCIAL SERVICES
Apr 12, 2019	Trustee's Deed, Construction Loan · Line of Credit COMMENCEMENT BK
Feb 15, 2019	Warranty Deed, Transfer · Construction Mortgage TIPSOO FAMILY TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2019 · Amount on File
Deed Sale	Jul 24, 2019 · Amount on File
Prior Sale	Jul 24, 2019
Deed Document Number	4695922
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	THURSTON WA
Property Address	414 REFLECTION LN SE, RAINIER, WA 98576-9748
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004890668
Date	Oct 18, 2021
Instrument	4890668

Lender

Name	ARCUS LENDING INC
Type	Mortgage Company
Address	SAN JOSE, CA 95128

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	THURSTON WA
Recording Date	Jul 24, 2019
Property Address	414 REFLECTION LN SE, RAINIER, WA 98576-9748
Document Number	0004695921
Instrument Date	Jul 22, 2019
Instrument	4695921
Transaction Type	Transfer
Record Updated	Aug 1, 2019
Title Company	FIRST AMERICAN TITLE- THURSTON COUNTY TITLE, FIRST AMERICAN TITLE- THURSTON

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 627 RAINIER WA 985760627, RAINIER, WA 98576-0627

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	THURSTON WA
Recording Date	Jul 24, 2019
Property Address	414 REFLECTION LN SE, RAINIER, WA 98576-9748
Document Number	0004695922
Map Reference	VOL 16 PG 59&60
Instrument Date	Jul 19, 2019
Instrument	4695922
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FATCO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,219.46
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 REFLECTION LN SE, RAINIER, WA 98576-9748

Mortgage

Document Number	0004695923
Date	Jul 24, 2019
Instrument	4695923

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	THURSTON WA
Recording Date	Apr 12, 2019
Property Address	414 REFLECTION LN SE, RAINIER, WA 98576-9748
Instrument Date	Apr 11, 2019
Instrument	4677998
Transaction Type	Construction Loan
Record Updated	Apr 22, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	602 ROCHESTER ST W #11 RAINIER WA 985769565, 11, RAINIER, WA 98576-9565

Mortgage

Document Number	0004677998
Date	Apr 12, 2019
Instrument	4677998

Lender

Name	COMMENCEMENT BK
Type	Bank
Address	OLYMPIA, WA 98501

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	THURSTON WA
Recording Date	Feb 15, 2019
Property Address	414 REFLECTION LN SE, RAINIER, WA 98576-9748
Document Number	0004669821
Instrument Date	Jan 31, 2019
Instrument	4669821
Transaction Type	Transfer
Record Updated	Feb 26, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$612.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 627 RAINIER WA 985760627, RAINIER, WA 98576-0627

Mortgage

Document Number	4669822
Date	Feb 15, 2019
Instrument	4669822

Lender

Name	TIPSOO FAMILY TRUST (PT)
Address	16748 VAIL LOOP SE, RAINIER, WA 98576-8001

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 14, 2020

Tax Assessment & Valuation

The 2026 property tax bill for 414 Reflection Ln SE was $11.

Source: Thurston County assessment roll, as of January 1, 2026

Property Jurisdictions

Type	Name
State	Washington
County	Thurston County
Municipality	Rainier City
Unified School District	Rainier School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11.00
2025		$524,000 Land $124,400 Building $399,600	$524,000 Land $124,400 Building $399,600
2023	$4,007.00
2022		$446,800 Land $84,000 Building $362,800	$446,800 Land $84,000 Building $362,800

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

Flood

FEMA maps place 414 Reflection Ln SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 8, 2024

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

Wildfire risk around 414 Reflection Ln SE is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	RAINIER WATER DEPARTMENT serves 3,103 people · EPA ID WA5370980
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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