Kootenai County property record for 7022 W Cummings Loop, Rathdrum, ID 83858 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,572 sqft · built 1935 |
| Lot Size | 0.323 acres (14,113 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,375 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Feb 2018 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 07360000009A |
| Primary APN | 07360000009A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,572 sqft Living Area |
| Year Built | Built 1935 |
|---|---|
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Lot Area | 14,113 sqft (0.323 acres) |
| Lot Width | 110 ft Width |
| Boat Access | Boat Access |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | 107846 |
|---|---|
| Street Address | 7022 W CUMMINGS LOOP |
| City | RATHDRUM |
| State | ID |
| Zip | 83858-6632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVER SANDS, LT 9, LT 10 EX W 15 FT 3153N04W |
| Legal Subdivision | SILVER SANDS |
| Legal Lot Number | 9-10 |
| Jurisdiction | KOOTENAI ID |
| Township / Civil Division | SPIRIT LAKE-ATHOL |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 101 |
Source: Kootenai County records · APN 07360000009A
Assessment roll updated January 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7022 W CUMMINGS LOOP, RATHDRUM, ID 83858-6632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Feb 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jan 10, 2014 |
| Transfer Doc | 2442674000 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KOOTENAI ID |
| Property Address | 7022 W CUMMINGS LOOP, RATHDRUM, ID 83858-6632 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2021 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 2860336000 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 2860336000 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KOOTENAI ID |
| Property Address | 7022 W CUMMINGS LOOP, RATHDRUM, ID 83858-6632 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2018 |
| Name | Verified Name |
|---|
| Document Number | 2633315000 |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | 2633315000 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2048 |
Source: Kootenai County records · Assessment roll updated January 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Idaho |
| County | Kootenai County |
| Unified School District | Lakeland Joint School District 272 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,375.00 (-15.12%) Homeowner's exemption | $819,520 (+11.63%) Land $639,000 Building $180,520 | $819,520 (+11.63%) Land $639,000 Building $180,520 |
| 2024 | $2,798.00 (+28.17%) | ||
| 2023 | $2,183.00 (-29.12%) Homeowner's exemption | $734,170 (-15.73%) Land $552,000 Building $182,170 | $734,170 (-15.73%) Land $552,000 Building $182,170 |
| 2022 | $3,080.00 Homeowner's exemption | $871,200 Land $690,060 Building $181,140 | $871,200 Land $690,060 Building $181,140 |
Source: FEMA National Flood Hazard Layer, Kootenai County (16055C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 160550001011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2026, other causes |
| Wildfire Risk | Moderate above 40% of the US · above 10% of Idaho |
|---|---|
| Wildfire Likelihood | About 1 in 2,381 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 53 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Newmax. Availability varies by address; speeds are provider-advertised maximums, not measured.
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