1013 Oak St, Sandpoint, ID 83864 Property Records

Bonner County property record for 1013 Oak St, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,958 sqft · built 1913
Lot Size	0.324 acres (14,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$551,950 (Aug 2023)
Tax Bill	$3,588 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Jun 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`RPS0500034005AA`

Property Details

APN / Parcel Number

Primary APN	`RPS0500034005AA`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,958 sqft Finished Area
1st Floor Area	3,038 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1986
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	14,113 sqft (0.324 acres)
Garage Type	Detached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Cabin	320 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1013 OAK ST
City	SANDPOINT
State	ID
Zip	83864-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22-57N-2W WEST END ADDN BLK 34 LOTS 5,6,7 & 8 CPWRS
Legal Range	02W
Legal Township	57N
Legal Section	22
Legal Subdivision	WEST END ADDN
Legal Block	34
Legal Lot Number	5-8
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	3
Census Block	3010
Census Tract	950300

Owner

Source: Bonner County records, as of October 15, 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	1013 OAK ST, SANDPOINT, ID 83864-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Warranty Deed, Transfer · Conventional Mortgage IDAHO CENTRAL CU0
Jun 7, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 21, 2020	Warranty Deed, Transfer · Conventional Mortgage NUMERICA CU
Jul 27, 2017	Deed of Trust, Mortgage · Commercial Mortgage MOUNTAIN WEST BANK
Jan 30, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage MOUNTAIN WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on Record
Deed Sale	Aug 31, 2023 · Amount on Record
Prior Sale	Jul 21, 2020 · Amount on Record
Deed Document Number	20231024762
Prior Transfer Date	Jan 24, 2017
Prior Transfer Doc	901145
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Aug 31, 2023
Property Address	1013 OAK ST, SANDPOINT, ID 83864-1824
Document Number	0001024762
Map Reference	MB 1 PG 63
Instrument Date	Aug 22, 2023
Instrument	1024762
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	NORTH ID TITLE COMPANY, NORTH IDAHO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1013 OAK ST, SANDPOINT, ID 83864-1824

Mortgage

Document Number	0001024763
Date	Aug 31, 2023
Instrument	1024763

Lender

Name	IDAHO CENTRAL CU0
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	282 Months
Due	Feb 17, 2047

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	1013 OAK ST, SANDPOINT, ID 83864-1824
Transaction Type	Mortgage
Record Updated	Jun 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001021023
Date	Jun 7, 2023
Instrument	1021023

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Jul 21, 2020
Property Address	1013 OAK ST, SANDPOINT, ID 83864-1824
Document Number	961378
Map Reference	MB 1 PG 63
Instrument Date	Jul 17, 2020
Instrument	961378
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	NORTH ID TITLE COMPANY SANDPOINT, NORTH ID TTL CO SANDPOINT RW

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1013 OAKD ST, SANDPOINT, ID 83864-1824

Mortgage

Document Number	961379
Date	Jul 21, 2020
Instrument	961379

Lender

Name	NUMERICA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Mortgage

Document Number	961380
Date	Jul 21, 2020
Instrument	961380

Lender

Name	NUMERICA CU
Type	Credit Union
Address	SPOKANE, WA 99216

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 25, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	1013 OAK ST, SANDPOINT, ID 83864-1824
Transaction Type	Mortgage
Record Updated	Aug 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 908844
Date	Jul 27, 2017
Instrument	908844

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	SANDPOINT, ID 83864

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	Jan 30, 2017
Property Address	1013 OAK ST, SANDPOINT, ID 83864-1824
Document Number	901145
Map Reference	MB 1 PG 63
Instrument Date	Jan 24, 2017
Instrument	901145
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 OAK ST, SANDPOINT, ID 83864-1824

Mortgage

Document Number	901146
Date	Jan 30, 2017
Instrument	901146

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

Source: Bonner County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	Idaho
County	Bonner County
Municipality	Sandpoint City
Unified School District	Lake Pend Oreille School District 84 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,588.00 (+10.03%) Homeowner's exemption	$669,856 (-0.04%) Land $314,126 Building $355,730	$669,856 (-0.04%) Land $314,126 Building $355,730
2025	$3,261.00 (+35.03%) Homeowner's exemption	$670,120 (+19.38%) Land $314,130 Building $355,990	$670,120 (+19.38%) Land $314,130 Building $355,990
2023	$2,415.00 Homeowner's exemption	$561,338 Land $271,427 Building $289,911	$561,338 Land $271,427 Building $289,911

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 May 28, 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.

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 95% of Idaho
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	SANDPOINT PUBLIC WORKS DEPT serves 12,284 people · EPA ID ID1090121
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jul 2021
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 477 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Ting Fiber	1,000 / 1,000
Vyve Broadband Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
MountainLink Fixed Wireless	250 / 50
Intermax Networks Fixed Wireless	100 / 20

May also be available: Kaniksu Internet.

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