5355 Ruby Pl NE, Bainbridge Island, WA 98110 Property Records

Kitsap County property record for 5355 Ruby Pl NE, Bainbridge Island, WA 98110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 1979
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Oct 2016)
Tax Bill	$5,118 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Mar 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`4905-000-012-0004`

Property Details

APN / Parcel Number

Primary APN	`4905-000-012-0004`
Alternative APN	`1806413`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	864 sqft
Flooring	Combination, Other
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	Split Entry
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Mixed
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Deck Area	46 sqft
Patio Area	74 sqft
Canopy	46 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1806413
Street Address	5355 RUBY PL NE
City	BAINBRIDGE ISLAND
State	WA
Zip	98110-2024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	LOT 12, EMERALD HEIGHTS DIVISION NO. 2, AS PER PLAT RECORDED IN VOLUME 17 OF PLATS, PAGE 21, RECORDS OF KITSAP COUNTY,
Legal Range	02E
Legal Township	25
Legal Section	33
Legal Quarter	SE
Legal Subdivision	EMERALD HEIGHTS DIV 2
Legal Lot Number	12
Jurisdiction	KITSAP WA
Township / Civil Division	BAINBRIDGE ISLAND
Census Block Group	2
Census Block	2000
Census Tract	91001

Owner

Source: Kitsap County records, as of February 5, 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	5355 RUBY PL NE, BAINBRIDGE ISLAND, WA 98110-2024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 17, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MTG
Mar 28, 2019	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2016 · Amount on Record
Deed Sale	Oct 14, 2016 · Amount on Record
Deed Document Number	2016EX07776
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	5355 RUBY PL NE, BAINBRIDGE ISLAND, WA 98110-2024
Transaction Type	Mortgage
Record Updated	Jan 9, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5355 RUBY PL NE, BAINBRIDGE ISLAND, WA 98110-2024

Mortgage

Document Number	0000000018
Date	Dec 29, 2025
Instrument	202512290018

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	5355 RUBY PL NE, BAINBRIDGE ISLAND, WA 98110-2024
Transaction Type	Mortgage
Record Updated	Mar 28, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5355 RUBY PL NE, BAINBRIDGE ISLAND, WA 98110-2024

Mortgage

Document Number	0000000043
Date	Mar 17, 2022
Instrument	202203170043

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 26, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	5355 RUBY PL NE, BAINBRIDGE ISLAND, WA 98110-2024
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010290229
Date	Oct 29, 2021
Instrument	202110290229

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	5355 RUBY PL NE, BAINBRIDGE ISLAND, WA 98110-2024
Document Number	0001250151
Instrument Date	Jan 15, 2021
Transaction Type	Mortgage
Record Updated	Feb 4, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5355 RUBY PL NE BAINBRIDGE ISLAND WA 981102024, BAINBRIDGE ISLAND, WA 98110-2024

Mortgage

Document Number	0001250151
Date	Jan 25, 2021
Instrument	202101250151

Lender

Name	DISCOVER BK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	5355 RUBY PL NE, BAINBRIDGE ISLAND, WA 98110-2024
Document Number	0006290290
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5355 RUBY PL NE BAINBRIDGE ISLAND WA 981102024, BAINBRIDGE ISLAND, WA 98110-2024

Mortgage

Document Number	0006290290
Date	Jun 29, 2020
Instrument	202006290290

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KITSAP WA
Property Address	5355 RUBY PL NE, BAINBRIDGE ISLAND, WA 98110-2024
Document Number	0004220044
Instrument Date	Mar 28, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5355 RUBY PL NE BAINBRIDGE ISLAND WA 981102024, BAINBRIDGE ISLAND, WA 98110-2024

Mortgage

Document Number	0004220044
Date	Apr 22, 2019
Instrument	201904220044

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kitsap County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Kitsap County
Municipality	Bainbridge Island City
Unified School District	Bainbridge Island School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,118.00 (+6.54%)	$638,500 (-) Land $223,000 Building $415,500	$638,500 (-) Land $223,000 Building $415,500
2024	$4,804.00 (-4.4%)	$638,500 (-) Land $223,000 Building $415,500	$638,500 (-) Land $223,000 Building $415,500
2023	$5,025.00	$638,500 Land $223,000 Building $415,500	$638,500 Land $223,000 Building $415,500

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 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
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	3 (2022–2023)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2023 · rainfall accumulation

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

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	EMERALD HEIGHTS private · serves 251 people · EPA ID WA5323290
Water Source	Groundwater
Last State Inspection	Nov 2021
Lead	4 ppb (2023–2025) 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Kitsap PUD.

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