Ada County property record for 638 E Observation Dr, Meridian, ID 83642
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5.5 ba · 5,816 sqft · built 2008 |
| Lot Size | 0.364 acres (15,856 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $787,500 (Jan 2020) |
| Tax Bill | $5,499 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R6242270200 |
| Primary APN | R6242270200 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,816 sqft Living Area |
| Gross Area | 7,859 sqft |
| 1st Floor Area | 3,541 sqft |
| Upper Floors Area | 2,275 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Bi-Level |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 15,856 sqft (0.364 acres) |
| Garage Type | Attached |
| Garage Area | 1,451 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Porch Area | 142 sqft |
| Patio Area | 158 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 638 E OBSERVATION DR |
|---|---|
| City | MERIDIAN |
| State | ID |
| Zip | 83642-4652 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | LOT 07 BLK 04 OBSERVATION POINT SUB |
| Legal Range | 01E |
| Legal Township | 03N |
| Legal Section | 19 |
| Legal Subdivision | OBSERVATION POINT SUB |
| Legal Block | 04 |
| Legal Lot Number | 07 |
| Jurisdiction | ADA ID |
| Township / Civil Division | BOISE CITY |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 10338 |
Source: Ada County records, as of August 7, 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 | 638 E OBSERVATION DR, MERIDIAN, ID 83642-4652 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS COMMUNITY BANK |
| Nov 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS COMMUNITY BANK |
| Jan 13, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage CITIZENS COMMUNITY BANK |
| Dec 27, 2017 | Quit Claim Deed, Mortgage · Line of Credit ICON CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 2020 · Amount on Record |
| Deed Sale | Jan 13, 2020 · Amount on Record |
| Prior Sale | Dec 27, 2017 · Amount on Record |
| Deed Document Number | 20204450 |
| Prior Transfer Date | May 8, 2014 |
| Prior Transfer Doc | 0114037180 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADA ID |
| Property Address | 638 E OBSERVATION DR, MERIDIAN, ID 83642-4652 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000156674 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 2020-156674 |
| Name | CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | POCATELLO, ID 83202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADA ID |
| Property Address | 638 E OBSERVATION DR, MERIDIAN, ID 83642-4652 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000156673 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 2020-156673 |
| Name | CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | POCATELLO, ID 83204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ADA ID |
| Recording Date | Jan 13, 2020 |
| Property Address | 638 E OBSERVATION DR, MERIDIAN, ID 83642-4652 |
| Document Number | 0000004450 |
| Map Reference | MB 84 PG 9276-9278 |
| Instrument Date | Jan 7, 2020 |
| Instrument | 2020-004450 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 638 E OBSERVATION DR, MERIDIAN, ID 83642-4652 |
| Document Number | 0000004451 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 2020-004451 |
| Name | CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ADA ID |
| Recording Date | Dec 27, 2017 |
| Property Address | 638 E OBSERVATION DR, MERIDIAN, ID 83642-4652 |
| Document Number | 0000123210 |
| Instrument Date | Dec 22, 2017 |
| Instrument | 123210 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | PIONEER TITLE COMPANY/ADA |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 638 E OBSERVATION DR MERIDIAN ID 836424652, MERIDIAN, ID 83642-4652 |
| Document Number | 123211 |
|---|---|
| Date | Dec 27, 2017 |
| Instrument | 123211 |
| Name | ICON CU |
|---|---|
| Type | Credit Union |
| Address | BOISE, ID 83703 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 26, 2037 |
| Rate Type | Adjustable Rate |
|---|
Source: Ada County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Idaho |
| County | Ada County |
| Municipality | Meridian City |
| Unified School District | Meridian Joint School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,285,900 (-4.41%) | $1,285,900 (-4.41%) | |
| 2025 | $5,499.00 (+17.7%) Homeowner's exemption | $1,345,200 (+30.82%) | $1,345,200 (+30.82%) |
| 2024 | $4,672.00 (-32.66%) | ||
| 2023 | $1,028,300 Land $266,000 Building $762,300 | $1,028,300 Land $266,000 Building $762,300 | |
| 2022 | $6,938.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 4, 2026
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 97.9% of Idaho |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MERIDIAN WATER DEPT private · serves 152,070 people · EPA ID ID4010097 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 4 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 442 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
| White Cloud Communications Fixed Wireless | 200 / 50 |
May also be available: Anthem Broadband, CenturyLink, Silver Star Communications, Verizon.
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