5796 W Winterhawk Dr, Rathdrum, ID 83858 Property Records

Kootenai County property record for 5796 W Winterhawk Dr, Rathdrum, ID 83858

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,699 sqft · built 2024
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$777,915 (Nov 2023)
Tax Bill	$2,344 (2025)
Deeds & Mortgages	Oct 2023 Construction Loan Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53N04W325000`

Property Details

APN / Parcel Number

Primary APN	`53N04W325000`
Alternative APN	`138878`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,699 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached
Garage Area	390 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Account Number	138878
Street Address	5796 W WINTERHAWK DR
City	RATHDRUM
State	ID
Zip	83858-8840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESRES
Legal Description	SW-NE-SW 3253N04W
Legal Range	04W
Legal Township	53N
Legal Section	32
Legal Subdivision	NE-SW
Jurisdiction	KOOTENAI ID
Township / Civil Division	SPIRIT LAKE-ATHOL
Census Block Group	3
Census Block	3025
Census Tract	102

Owner

Source: Kootenai County records, as of April 28, 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	PO BOX 777, RATHDRUM, ID 83858-0777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Construction Mortgage US BANK NA
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Sep 16, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FREEDOM NORTHWEST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2023 · Amount on Record
Deed Sale	Nov 22, 2023 · Amount on Record
Prior Sale	Sep 16, 2021 · Amount on Record
Deed Document Number	20232954641
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	5796 W WINTERHAWK DR, RATHDRUM, ID 83858-8840
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	KOOTENAI COUNTY TITLE, KOOTENAI COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 777, RATHDRUM, ID 83858-0777

Mortgage

Document Number	2950732000
Date	Oct 11, 2023
Instrument	2950732000

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	12.1%
Index	1-Year T-Bill
Max Rate	12.1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Recording Date	Apr 17, 2026
Property Address	5796 W WINTERHAWK DR, RATHDRUM, ID 83858-8840
Document Number	0003039554
Instrument Date	Oct 14, 2025
Instrument	20263039554
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5796 W WINTERHAWK DR, RATHDRUM, ID 83858-8840

Mortgage

Document Number	0003039554,
Date	Apr 17, 2026
Instrument	20263039554

Lender

Name	OPTIMUM FIRST INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.26%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOOTENAI ID
Recording Date	Sep 16, 2021
Property Address	5796 W WINTERHAWK DR, RATHDRUM, ID 83858-8840
Document Number	2859597000
Instrument Date	Sep 13, 2021
Instrument	2859597000
Transaction Type	Transfer
Record Updated	Oct 16, 2025
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	PO BOX 777, RATHDRUM, ID 83858-0777

Mortgage

Document Number	2859598000
Date	Sep 16, 2021
Instrument	2859598000

Lender

Name	FREEDOM NORTHWEST CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 14, 2026

Tax Assessment & Valuation

Source: Kootenai County assessment roll, as of October 16, 2025

Property Jurisdictions

Type	Name
State	Idaho
County	Kootenai County
Unified School District	Lakeland Joint School District 272 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,344.00 (+26.57%) Homeowner's exemption	$806,142 (+91.07%) Land $486,382 Building $319,760	$806,142 (+91.07%) Land $486,382 Building $319,760
2024	$1,852.00 (+13.55%)
2023	$1,631.00	$421,910 Land $413,110 Building $8,800	$421,910 Land $413,110 Building $8,800

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 September 15, 2026 · 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 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 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

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

Wildfire Risk	Moderate above 62% of the US · lower than 80% of Idaho
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intermax Networks Fiber · Fixed Wireless	1,000 / 1,000

May also be available: T-Mobile.

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