123 Topps Rd, Sagle, ID 83860 Property Records

Bonner County property record for 123 Topps Rd, Sagle, ID 83860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,760 sqft · built 2016
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$883,186 (Jan 2025)
Tax Bill	$2,582 (2026)
Deeds & Mortgages	Dec 2017 Mortgage May 2019 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`RP025080000020A`

Property Details

APN / Parcel Number

Primary APN	`RP025080000020A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,760 sqft Finished Area
1st Floor Area	1,760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	90 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	123 TOPPS RD
City	SAGLE
State	ID
Zip	83860-5044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	23-56N-2W ANNA'S ADDITION LOT 2 - JTWRS
Legal Range	02W
Legal Township	56N
Legal Section	23
Legal Subdivision	ANNA'S ADDITION
Legal Lot Number	2
Jurisdiction	BONNER ID
Township / Civil Division	BLANCHARD-GLENGARY
Census Block Group	2
Census Block	2037
Census Tract	950902

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	123 TOPPS RD, SAGLE, ID 83860-5044
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2017	Deed of Trust, Mortgage · Commercial Mortgage MOUNTAIN WEST BANK
May 6, 2019	Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage BOEING EMPLOYEES CU
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Aug 9, 2022	Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU
Feb 13, 2023	Intrafamily Transfer, Transfer
Sep 19, 2018	Warranty Deed, Transfer · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2025 · Amount on Record
Deed Sale	Jan 16, 2025 · Amount on Record
Prior Sale	Sep 19, 2018 · Amount on Record
Deed Document Number	20251042693
Prior Transfer Date	Feb 11, 2023
Prior Transfer Doc	0001016864
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	123 TOPPS RD, SAGLE, ID 83860-5044
Transaction Type	Mortgage
Record Updated	Feb 21, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000916238
Date	Dec 27, 2017
Instrument	916238

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	SANDPOINT, ID 83864

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	123 TOPPS RD, SAGLE, ID 83860-5044
Transaction Type	Mortgage
Record Updated	Feb 21, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000938098
Date	May 6, 2019
Instrument	938098

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	98214

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 22, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	123 TOPPS RD, SAGLE, ID 83860-5044
Transaction Type	Mortgage
Record Updated	Feb 21, 2023
Title Company	NORTH ID TITLE COMPANY, NORTH IDAHO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000971661
Date	Dec 7, 2020
Instrument	971661

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Oct 1, 2035

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	123 TOPPS RD, SAGLE, ID 83860-5044
Transaction Type	Mortgage
Record Updated	Feb 21, 2023
Title Company	ALLIANCE TITLE-BOISE PRODUCT, ALLIANCE TITLE BOISE PRODUCT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000948257
Date	Nov 5, 2019
Instrument	948257

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98168

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2039

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	123 TOPPS RD, SAGLE, ID 83860-5044
Transaction Type	Mortgage
Record Updated	Feb 21, 2023
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000985829
Date	Jun 23, 2021
Instrument	985829

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	123 TOPPS RD, SAGLE, ID 83860-5044
Transaction Type	Mortgage
Record Updated	Feb 21, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001009638
Date	Aug 9, 2022
Instrument	1009638

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 18, 2047

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	Feb 13, 2023
Property Address	123 TOPPS RD, SAGLE, ID 83860-5044
Document Number	0001016864
Map Reference	MB 8 PG 52
Instrument Date	Feb 11, 2023
Instrument	1016864
Transaction Type	Transfer
Record Updated	Feb 21, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 TOPPS RD, SAGLE, ID 83860-5044

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Sep 19, 2018
Property Address	123 TOPPS RD, SAGLE, ID 83860-5044
Document Number	0000928101
Map Reference	MB8 PG52
Instrument Date	Sep 10, 2018
Instrument	928101
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	NORTH ID TITLE COMPANY, NORTH IDAHO TITLE CO

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	Right of Survivorship
Address	123 TOPPS RD, SAGLE, ID 83860-5044

Mortgage

Document Number	0000928102
Date	Sep 19, 2018
Instrument	928102

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,582.00 (+8.49%) Homeowner's exemption	$728,828 (-) Land $323,034 Building $405,794	$728,828 (-) Land $323,034 Building $405,794
2025	$2,380.00 (+16.32%) Homeowner's exemption	$728,828 (+12.76%) Land $323,034 Building $405,794	$728,828 (+12.76%) Land $323,034 Building $405,794
2023	$2,046.00 Homeowner's exemption	$646,356 Land $257,489 Building $388,867	$646,356 Land $257,489 Building $388,867

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Idaho
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MountainLink Fixed Wireless	250 / 50
Wired or Wireless Fixed Wireless · not low latency	30 / 10

May also be available: T-Mobile.

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