10193 Ontario St, Sandpoint, ID 83864 Property Records

Bonner County property record for 10193 Ontario St, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,400 sqft · built 1976
Lot Size	3.17 acres (138,085 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,641 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RPD00000283100A`

Property Details

APN / Parcel Number

Primary APN	`RPD00000283100A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,400 sqft Finished Area
1st Floor Area	2,400 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Rustic
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	138,085 sqft (3.17 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10193 ONTARIO ST
City	SANDPOINT
State	ID
Zip	83864-4008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28-57N-2W TAX 64 LESS TAX 65,68,72 & 73
Legal Range	02W
Legal Township	57N
Legal Section	28
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	1
Census Block	1012
Census Tract	950403

Owner

10193 Ontario St is owned and occupied by two individuals.

Source: Bonner County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10193 ONTARIO ST, SANDPOINT, ID 83864-4008
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Recording Date	Sep 4, 2026
Property Address	10193 ONTARIO ST, SANDPOINT, ID 83864-4008
Document Number	0001066773
Instrument Date	Aug 31, 2026
Instrument	20261066773
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10193 ONTARIO ST, SANDPOINT, ID 83864-4008

Mortgage

Document Number	0001066773,
Date	Sep 4, 2026
Instrument	20261066773

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

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

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	10193 ONTARIO ST, SANDPOINT, ID 83864-4008
Transaction Type	Mortgage
Record Updated	May 3, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10193 ONTARIO ST, SANDPOINT, ID 83864-4008

Mortgage

Document Number	0001018488
Date	Apr 4, 2023
Instrument	1018488

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2043

Tax Assessment & Valuation

The 2026 property tax bill for 10193 Ontario St was $3,641 with a homeowner's exemption, up 6.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Idaho
County	Bonner County
Municipality	Dover 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	$3,641.00 (+6.06%) Homeowner's exemption	$916,917 (+3.46%) Land $628,217 Building $288,700	$916,917 (+3.46%) Land $628,217 Building $288,700
2025	$3,433.00 Homeowner's exemption	$886,277 Land $628,217 Building $258,060	$886,277 Land $628,217 Building $258,060
2023	$3,269.00 Homeowner's exemption	$847,177 Land $574,650 Building $272,527	$847,177 Land $574,650 Building $272,527

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10193 Ontario St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

Wildfire risk around 10193 Ontario St is low, with less than a 0.01% annual chance of wildfire.

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	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF DOVER serves 865 people · EPA ID ID1090193
Water Source	Surface water
Last State Inspection	May 2023
Lead	14 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
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, Ting.

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