115 E Lake St, Unit 203, Sandpoint, ID 83864 Property Records

Bonner County property record for 115 E Lake St, Unit 203, Sandpoint, ID 83864

Property Summary

Property Type	Condominium
Details	3 bd · 1 ba · 927 sqft · built 2018
Lot Size	0.326 acres (14,201 sqft)
Owner	Company Name on Record
Tax Bill	$4,119 (2026)
Deeds & Mortgages	Jan 2020 Mortgage Sep 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`RPS73460002030A`

Property Details

APN / Parcel Number

Primary APN	`RPS73460002030A`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	8 Units
Stories	1 Story
Building Area	928 sqft Finished Area
1st Floor Area	928 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Condo/Apartment
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	14,201 sqft (0.326 acres)
Garage Type	Built-in

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Street Address	115 E LAKE ST, 203
City	SANDPOINT
State	ID
Zip	83864-1379
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	22-57N-2W SANDCREEK LOFTS WEILS ADDN BLK 1, E 20FT LOT 7 & ALL LOT 8 UNIT 203
Legal Range	02W
Legal Township	57N
Legal Section	22
Legal Subdivision	WEILS ADDN
Legal Block	1
Legal Lot Number	7-8
Legal Unit	203
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	4
Census Block	4003
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	Company Name on Record
Mailing Address	691 CROCKER RD, SACRAMENTO, CA 95864-5609
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 19, 2018	Warranty Deed, Transfer · ARM MOUTAIN WEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2020
Deed Sale	Feb 28, 2020
Prior Sale	Sep 19, 2018 · Amount on Record
Deed Document Number	2020953824
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	115 E LAKE ST UNIT 203, 203, SANDPOINT, ID 83864-1379
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	951814
Date	Jan 15, 2020
Instrument	951814

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Sep 19, 2018
Property Address	115 E LAKE ST UNIT 203, 203, SANDPOINT, ID 83864-1379
Document Number	928057
Map Reference	DOC926917
Instrument Date	Sep 14, 2018
Instrument	928057
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	SANDPOINT TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	691 CROCKER RD, SACRAMENTO, CA 95864-5609

Mortgage

Document Number	928058
Date	Sep 19, 2018
Instrument	928058

Lender

Name	MOUTAIN WEST BANK
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	1-Year CMT
Margin	3
Max Rate	10.2%

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	$4,119.00	$635,680 (+0.84%) Building $635,680	$635,680 (+0.84%) Building $635,680
2025	$4,119.00 (+1.85%)	$630,360 (+4.94%) Building $630,360	$630,360 (+4.94%) Building $630,360
2023	$4,044.00	$600,696 Building $600,696	$600,696 Building $600,696

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	7 (1982–2011)
Most Recent Claim	Jun 2011 · tidal / storm surge
Claims by Event	Severe Storms, Snowmelt, Land/mud Slides, Flooding, Jun 1997 · 3 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ting Fiber	1,000 / 1,000
Vyve Broadband Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
MountainLink Fixed Wireless	250 / 50
AT&T Fixed Wireless	100 / 20
Intermax Networks Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Ziply Fiber.

Nearby Properties on E Lake St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures