1322 Oak St, Sandpoint, ID 83864 Property Records

Bonner County property record for 1322 Oak St, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,988 sqft · built 1975
Lot Size	0.228 acres (9,932 sqft)
Owner	Individual Name on Record
Last Sale	$206,150 (Jun 2023)
Tax Bill	$3,893 (2026)
Deeds & Mortgages	Jun 2023 Second Mortgage May 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`RPS0500046021AA`

Property Details

APN / Parcel Number

Primary APN	`RPS0500046021AA`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,988 sqft Finished Area
1st Floor Area	1,988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2006
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	9,932 sqft (0.228 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1322 OAK ST
City	SANDPOINT
State	ID
Zip	83864-2005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22-57N-2W WEST END ADDN BLK 46, E 20FT OF LOT 21, LOTS 22 & 23
Legal Range	02W
Legal Township	57N
Legal Section	22
Legal Subdivision	WEST END ADDN
Legal Block	46
Legal Lot Number	21-23
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	3
Census Block	3006
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	Individual Name on Record
Mailing Address	1322 OAK ST, SANDPOINT, ID 83864-2005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage CHRISTIAN COMMUNITY CU
May 24, 2023	Intrafamily Transfer, Transfer
Jun 6, 2017	Deed of Trust, Mortgage CHRISTIAN COMMUNITY CU
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHRISTIAN COMMUNITY CU
Jan 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHRISTIAN COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2023 · Amount on Record
Deed Sale	Jun 26, 2023 · Amount on Record
Prior Sale	Feb 7, 2014 · Amount on Record
Deed Document Number	20231021853
Prior Transfer Date	Jun 21, 2023
Prior Transfer Doc	0001021853
Record Updated	Oct 29, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	Jun 26, 2023
Property Address	1322 OAK ST, SANDPOINT, ID 83864-2005
Document Number	0001021853
Map Reference	MB 1 PG 63
Instrument Date	Jun 21, 2023
Instrument	1021853
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	NEXTITLE A TITLE AND ESCROW COMPANY, TITLEONE A TITLE & ESCROW CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1322 OAK ST, SANDPOINT, ID 83864-2005

Mortgage

Document Number	0001021854
Date	Jun 26, 2023
Instrument	1021854

Lender

Name	CHRISTIAN COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2043

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	May 24, 2023
Property Address	1322 OAK ST, SANDPOINT, ID 83864-2005
Document Number	0001020410
Instrument Date	May 24, 2023
Instrument	1020410
Transaction Type	Transfer
Record Updated	Jun 14, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1407 SAMUELS RD, SANDPOINT, ID 83864-9153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1322 OAK ST, SANDPOINT, ID 83864-2005

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	1322 OAK ST, SANDPOINT, ID 83864-2005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	906181
Date	Jun 6, 2017
Instrument	906181

Lender

Name	CHRISTIAN COMMUNITY CU
Type	Credit Union
Address	SAN DIMAS, CA 91773

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	1322 OAK ST, SANDPOINT, ID 83864-2005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	969878
Date	Nov 12, 2020
Instrument	969878

Lender

Name	CHRISTIAN COMMUNITY CU
Type	Credit Union
Address	SAN DIMAS, CA 91773

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	1322 OAK ST, SANDPOINT, ID 83864-2005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	933406
Date	Jan 15, 2019
Instrument	933406

Lender

Name	CHRISTIAN COMMUNITY CU
Type	Credit Union
Address	SAN DIMAS, CA 91773

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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	$3,893.00 (+8.62%) Homeowner's exemption	$761,380 (+10.69%) Land $293,090 Building $468,290	$761,380 (+10.69%) Land $293,090 Building $468,290
2025	$3,584.00 (+11.65%) Homeowner's exemption	$687,830 (+5.58%) Land $293,090 Building $394,740	$687,830 (+5.58%) Land $293,090 Building $394,740
2023	$3,210.00 (-22.18%) Homeowner's exemption	$651,451 (-1.25%) Land $271,730 Building $379,721	$651,451 (-1.25%) Land $271,730 Building $379,721
2022	$4,125.00 Homeowner's exemption	$659,703 Land $239,230 Building $420,473	$659,703 Land $239,230 Building $420,473

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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