1028 E Territory St, Meridian, ID 83646 Property Records

Ada County property record for 1028 E Territory St, Meridian, ID 83646

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,191 sqft · built 2022
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$758,100 (Oct 2022)
Tax Bill	$3,167 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2022 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`R7909070980`

Property Details

APN / Parcel Number

Primary APN	`R7909070980`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,191 sqft Living Area
Gross Area	4,226 sqft
1st Floor Area	2,037 sqft
Upper Floors Area	1,154 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Bi-Level
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	848 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	147 sqft
Patio Area	187 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1028 E TERRITORY ST
City	MERIDIAN
State	ID
Zip	83646-6649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 17 BLK 02 SILVER SPRINGS SUB NO 1
Legal Range	01E
Legal Township	04N
Legal Section	31
Legal Subdivision	SILVER SPRINGS SUB NO 01
Legal Block	02
Legal Lot Number	17
Jurisdiction	ADA ID
Township / Civil Division	BOISE CITY
Census Block Group	2
Census Block	2003
Census Tract	10362

Owner

1028 E Territory St is owned and occupied by an individual who bought it in October 2022.

Source: Ada County records, as of May 28, 2026

Owner of Record	Individual Name on File
Mailing Address	1028 E TERRITORY ST, MERIDIAN, ID 83646-6649
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Oct 28, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Mar 23, 2022	Deed of Trust, Mortgage · Construction Mortgage WESTMARK CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on File
Deed Sale	Oct 28, 2022 · Amount on File
Prior Sale	Mar 23, 2022 · Amount on File
Deed Document Number	202289538
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ADA ID
Recording Date	Oct 28, 2022
Property Address	1028 E TERRITORY ST, MERIDIAN, ID 83646-6649
Document Number	0000089538
Map Reference	MB120PG18626-18629
Instrument Date	Oct 20, 2022
Instrument	2022-089538
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 4, 2022
Title Company	VENTURE TITLE, VENTURE TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 E TERRITORY ST, MERIDIAN, ID 83646-6649

Mortgage

Document Number	0000089539
Date	Oct 28, 2022
Instrument	2022-089539

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.6%
Index	Other
Margin	3
Max Rate	10.6%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	1028 E TERRITORY ST, MERIDIAN, ID 83646-6649
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	TITLEONE BOISE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029146
Date	Mar 23, 2022
Instrument	2022-029146

Lender

Name	WESTMARK CU
Type	Credit Union
Address	IDAHO FALLS, ID 83404

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 13, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1028 E Territory St was $3,167 with a homeowner's exemption, up 1.3% from the year before.

Source: Ada County assessment roll, as of May 28, 2026

Property Jurisdictions

Type	Name
State	Idaho
County	Ada County
Municipality	Meridian City
Unified School District	Meridian Joint School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,167.00 (+1.28%) Homeowner's exemption	$827,900	$827,900
2024	$3,127.00
2023		$712,200 Land $220,000 Building $492,200	$712,200 Land $220,000 Building $492,200
2022	$275.00

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

Flood

FEMA maps place 1028 E Territory St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 1028 E Territory St is low, with a 0.02% 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 97.8% of Idaho
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Sparklight Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	100 / 100

May also be available: Anthem Broadband, Fatbeam.

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