Bonner County property record for 1505 Spruce St, Sandpoint, ID 83864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,141 sqft · built 1970 |
| Lot Size | 0.267 acres (11,631 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $467,024 (Aug 2026) |
| Tax Bill | $2,870 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Sep 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | RPS03990000050A |
| Primary APN | RPS03990000050A |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,141 sqft Finished Area |
| 1st Floor Area | 2,141 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,631 sqft (0.267 acres) |
| Garage Type | Attached |
| Garage Area | 32 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1505 SPRUCE ST |
|---|---|
| City | SANDPOINT |
| State | ID |
| Zip | 83864-6094 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 16-57N-2W SCHWEITZER ADDN LOT 5 CPWRS |
| Legal Range | 02W |
| Legal Township | 57N |
| Legal Section | 16 |
| Legal Subdivision | CPWRS |
| Legal Lot Number | 5 |
| Jurisdiction | BONNER ID |
| Township / Civil Division | SANDPOINT |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 950402 |
1505 Spruce St is owned and occupied by two individuals who bought it in August 2026.
Source: Bonner County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1505 SPRUCE ST, SANDPOINT, ID 83864-6094 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage HORIZON CREDIT UNION |
| Sep 8, 2022 | Deed of Trust, Mortgage · Line of Credit SPOKANE TEACHERS CU |
| Jan 6, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 25, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage MOUNTAIN WEST BANK |
| Feb 26, 2019 | Intrafamily Transfer, Transfer · FHA Mortgage MOUNTAIN WEST BANK |
| Feb 24, 2017 | Warranty Deed, Transfer · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2026 · Amount on File |
| Deed Sale | Aug 13, 2026 · Amount on File |
| Prior Sale | Aug 25, 2020 · Amount on File |
| Deed Document Number | 20261065800 |
| Prior Transfer Date | Feb 26, 2019 |
| Prior Transfer Doc | 0001011409 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BONNER ID |
| Recording Date | Aug 13, 2026 |
| Property Address | 1505 SPRUCE ST, SANDPOINT, ID 83864-6094 |
| Document Number | 0001065800 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 20261065800 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | NORTH TITLE, NORTH IDAHO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1505 SPRUCE ST, SANDPOINT, ID 83864-6094 |
| Investor | Possibly a Property Investor |
| Document Number | 0001065800, |
|---|---|
| Date | Aug 13, 2026 |
| Instrument | 20261065800 |
| Name | HORIZON CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Property Address | 1505 SPRUCE ST, SANDPOINT, ID 83864-6094 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001011150 |
|---|---|
| Date | Sep 8, 2022 |
| Instrument | 1011150 |
| Name | SPOKANE TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | LIBERTY LAKE, WA 99019 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 7, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Property Address | 1505 SPRUCE ST, SANDPOINT, ID 83864-6094 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ALLIANCE TITLE-BOISE PRODUCT, ALLIANCE TTL BOISE PRODUCTIO |
| Name | Verified Name |
|---|
| Document Number | 951327 |
|---|---|
| Date | Jan 6, 2020 |
| Instrument | 951327 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | May 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BONNER ID |
| Recording Date | Aug 25, 2020 |
| Property Address | 1505 SPRUCE ST, SANDPOINT, ID 83864-6094 |
| Document Number | 963914 |
| Map Reference | MB 3 PG 54 |
| Instrument Date | Aug 20, 2020 |
| Instrument | 963914 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2021 |
| Title Company | NORTH IDAHO TITLE INSURANCE, NORTH IDAHO TITLE INS INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1505 SPRUCE ST, SANDPOINT, ID 83864-6094 |
| Document Number | 963915 |
|---|---|
| Date | Aug 25, 2020 |
| Instrument | 963915 |
| Name | MOUNTAIN WEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BONNER ID |
| Recording Date | Feb 26, 2019 |
| Property Address | 1505 SPRUCE ST, SANDPOINT, ID 83864-6094 |
| Document Number | 935045 |
| Map Reference | MB 3 PG 54 |
| Instrument Date | Feb 21, 2019 |
| Instrument | 935045 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2021 |
| Title Company | NORTH ID TITLE COMPANY SANDPOINT, NORTH IDAHO TITLE CO SANDPOI |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1505 SPRUCE ST, SANDPOINT, ID 83864-6094 |
| Document Number | 935046 |
|---|---|
| Date | Feb 26, 2019 |
| Instrument | 935046 |
| Name | MOUNTAIN WEST BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BONNER ID |
| Recording Date | Feb 24, 2017 |
| Property Address | 1505 SPRUCE ST, SANDPOINT, ID 83864-6094 |
| Document Number | 902179 |
| Map Reference | MB 3 PG 54 |
| Instrument Date | Feb 21, 2017 |
| Instrument | 902179 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2021 |
| Title Company | PIONEER TITLE KOOTENAI COUNTY, PIONEER TITLE KOOTENAI COUNT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 1505 SPRUCE ST, SANDPOINT, ID 83864-6094 |
| Document Number | 902180 |
|---|---|
| Date | Feb 24, 2017 |
| Instrument | 902180 |
| Name | EVERGREEN MONEYSOURCE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Document Number | 902181 |
|---|---|
| Date | Feb 24, 2017 |
| Instrument | 902181 |
| Name | EVERGREEN MONEYSOURCE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | BELLEVUE, WA 98006 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2027 |
The 2026 property tax bill for 1505 Spruce St was $2,870 with a homeowner's exemption, up 11.2% from the year before.
Source: Bonner County assessment roll, as of October 15, 2026
| Type | Name |
|---|---|
| State | Idaho |
| County | Bonner County |
| Municipality | Sandpoint City |
| Unified School District | Lake Pend Oreille School District 84 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,870.00 (+11.2%) Homeowner's exemption | $508,431 (-8.36%) Land $206,871 Building $301,560 | $508,431 (-8.36%) Land $206,871 Building $301,560 |
| 2025 | $2,581.00 Homeowner's exemption | $554,821 Land $206,871 Building $347,950 | $554,821 Land $206,871 Building $347,950 |
| 2023 | $2,118.00 Homeowner's exemption | $503,506 Land $206,871 Building $296,635 | $503,506 Land $206,871 Building $296,635 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1505 Spruce St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 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 risk around 1505 Spruce St is low, with 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 346 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 |
| Kaniksu Internet Fixed Wireless | 100 / 30 |
| Intermax Networks Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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