1015 Oak St, Sandpoint, ID 83864 Property Records

Bonner County property record for 1015 Oak St, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,400 sqft · built 1946
Lot Size	0.324 acres (14,113 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,094 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RPS0500034009AA`

Property Details

APN / Parcel Number

Primary APN	`RPS0500034009AA`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,400 sqft Finished Area
1st Floor Area	2,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 2008
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,113 sqft (0.324 acres)
Garage Area	1,760 sqft
Parking Spaces	6 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1015 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 9,10,11 & 12
Legal Range	02W
Legal Township	57N
Legal Section	22
Legal Subdivision	WEST END ADDN
Legal Block	34
Legal Lot Number	9-12
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	1015 OAK ST, SANDPOINT, ID 83864-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit WASHINGTON TRUST BANK
Feb 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2024
Deed Sale	Feb 29, 2024
Prior Sale	Dec 8, 2022
Deed Document Number	20241030770
Prior Transfer Date	Mar 20, 2008
Prior Transfer Doc	748246
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Recording Date	Apr 28, 2026
Property Address	1015 OAK ST, SANDPOINT, ID 83864-1824
Document Number	0001061010
Instrument Date	Apr 23, 2026
Instrument	20261061010
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NORTHERN IDAHO TITLE, NORTH IDAHO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 OAK ST, SANDPOINT, ID 83864-1824

Mortgage

Document Number	0001061010,
Date	Apr 28, 2026
Instrument	20261061010

Lender

Name	WASHINGTON TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	1015 OAK ST, SANDPOINT, ID 83864-1824
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	TITLEONE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 OAK ST, SANDPOINT, ID 83864-1824

Mortgage

Document Number	0001058393
Date	Feb 18, 2026
Instrument	1058393

Lender

Name	WASHINGTON TRUST BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

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	$6,094.00 (+7.8%) Homeowner's exemption	$1,023,696 (-1.69%) Land $314,126 Building $709,570	$1,023,696 (-1.69%) Land $314,126 Building $709,570
2025	$5,653.00 (+6.64%) Homeowner's exemption	$1,041,250 (+2.21%) Land $314,130 Building $727,120	$1,041,250 (+2.21%) Land $314,130 Building $727,120
2023	$5,301.00 Homeowner's exemption	$1,018,722 Land $290,927 Building $727,795	$1,018,722 Land $290,927 Building $727,795

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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