1515 River Rock Rd, Sandpoint, ID 83864 Property Records

Bonner County property record for 1515 River Rock Rd, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,811 sqft · built 2015
Lot Size	0.134 acres (5,837 sqft)
Owner	Individual Name on File
Last Sale	$316,600 (Dec 2017)
Tax Bill	$2,026 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RPS38080030010A`

Property Details

APN / Parcel Number

Primary APN	`RPS38080030010A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,811 sqft Finished Area
1st Floor Area	1,811 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,837 sqft (0.134 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1515 RIVER ROCK RD
City	SANDPOINT
State	ID
Zip	83864-6621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28-57N-2W MAPLEWOOD VILLAGE BLK 3 LOT 1
Legal Range	02W
Legal Township	57N
Legal Section	28
Legal Subdivision	MAPLEWOOD VILLAGE
Legal Block	3
Legal Lot Number	1
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	1
Census Block	1042
Census Tract	950403

Owner

1515 River Rock Rd is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	1515 RIVER ROCK RD, SANDPOINT, ID 83864-6621
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 3, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Mar 19, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 29, 2017	Warranty Deed, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2017 · Amount on File
Deed Sale	Dec 29, 2017 · Amount on File
Prior Sale	Sep 15, 2015 · Amount on File
Deed Document Number	2017916298
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	1515 RIVER ROCK RD, SANDPOINT, ID 83864-6621
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	ALLIANCE TITLE-BOISE PRODUCT, ALLIANCE TITLE BOISE PRODUCT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	994881
Date	Nov 3, 2021
Instrument	994881

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	1515 RIVER ROCK RD, SANDPOINT, ID 83864-6621
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	954648
Date	Mar 19, 2020
Instrument	954648

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Dec 29, 2017
Property Address	1515 RIVER ROCK RD, SANDPOINT, ID 83864-6621
Document Number	916298
Map Reference	MB8 PG185
Instrument Date	Dec 28, 2017
Instrument	916298
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	NORTH ID TITLE COMPANY SANDPOINT, NORTH IDAHO TITLE CO SANDPOI

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	1515 RIVER ROCK RD, SANDPOINT, ID 83864-6621

Mortgage

Document Number	916299
Date	Dec 29, 2017
Instrument	916299

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1515 River Rock Rd was $2,026 with a homeowner's exemption, up 22.3% from the year before.

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	$2,026.00 (+22.34%) Homeowner's exemption	$604,260 (-10.58%) Land $249,521 Building $354,739	$604,260 (-10.58%) Land $249,521 Building $354,739
2025	$1,656.00 Homeowner's exemption	$675,741 Land $249,521 Building $426,220	$675,741 Land $249,521 Building $426,220
2023	$3,307.00 Homeowner's exemption	$736,667 Land $272,893 Building $463,774	$736,667 Land $272,893 Building $463,774

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

Flood

FEMA maps place 1515 River Rock Rd 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	4 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

Wildfire risk around 1515 River Rock Rd 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	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	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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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, T-Mobile, Ziply Fiber.

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