163 Cross Mountain Rd, Sandpoint, ID 83864 Property Records

Bonner County property record for 163 Cross Mountain Rd, Sandpoint, ID 83864

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,508 sqft · built 1995
Lot Size	19.5 acres (849,420 sqft)
Owner	2 Individual Names on File
Last Sale	$160,265 (Oct 2020)
Tax Bill	$1,090 (2026)
Deeds & Mortgages	Jan 2019 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RP58N02E183002A`

Property Details

APN / Parcel Number

Primary APN	`RP58N02E183002A`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,508 sqft Finished Area
1st Floor Area	2,314 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	849,420 sqft (19.5 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Lean-To	320 sqft
Pole Barn	2,400 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Wood Furnace
Heating Fuel	Wood

Location & Zoning

Street Address	163 CROSS MOUNTAIN RD
City	SANDPOINT
State	ID
Zip	83864-6803
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A/f-20
Legal Description	18-58N-2E E2 GOV LOT 1 CPWRS
Legal Range	02E
Legal Township	58N
Legal Section	18
Legal Subdivision	CPWRS
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	1
Census Block	1054
Census Tract	950201

Owner

163 Cross Mountain Rd, a rural home, is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	163 CROSS MOUNTAIN RD, SANDPOINT, ID 83864-6803
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
Jan 14, 2019	Deed of Trust, Mortgage · Line of Credit HORIZON CU
Oct 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage WILLAMETTE VALLEY BANK
Feb 3, 2020	Warranty Deed, Transfer · Commercial Mortgage WILLAMETTE VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Prior Sale	Feb 3, 2020 · Amount on File
Deed Document Number	2020969000
Prior Transfer Date	Oct 26, 2020
Prior Transfer Doc	0000969000
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	163 CROSS MOUNTAIN RD, SANDPOINT, ID 83864-6803
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000933276
Date	Jan 14, 2019
Instrument	933276

Lender

Name	HORIZON CU
Type	Credit Union
Address	SPOKANE, WA 99215

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 13, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	Oct 30, 2020
Property Address	163 CROSS MOUNTAIN RD, SANDPOINT, ID 83864-6803
Document Number	0000969000
Instrument Date	Oct 26, 2020
Instrument	969000
Transaction Type	Transfer
Record Updated	Oct 12, 2023
Title Company	NORTH ID TITLE COMPANY-COEUR D'ALENE, NORTH ID TTL CO COEUR DIALEN

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	8138 YELM HWY SE, OLYMPIA, WA 98513-5208

Mortgage

Document Number	0000969001
Date	Oct 30, 2020
Instrument	969001

Lender

Name	WILLAMETTE VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Feb 3, 2020
Property Address	163 CROSS MOUNTAIN RD, SANDPOINT, ID 83864-6803
Document Number	0000952581
Instrument Date	Jan 6, 2020
Instrument	952581
Transaction Type	Transfer
Record Updated	Oct 12, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 CROSS MOUNTAIN RD, SANDPOINT, ID 83864-6803

Mortgage

Document Number	0000952582
Date	Feb 3, 2020
Instrument	952582

Lender

Name	WILLAMETTE VALLEY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 163 Cross Mountain Rd was $1,090 with a homeowner's exemption, up 6.5% from the year before.

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	$1,090.00 (+6.55%) Homeowner's exemption	$361,903 (-1.97%) Land $120,153 Building $241,750	$361,903 (-1.97%) Land $120,153 Building $241,750
2025	$1,023.00 Homeowner's exemption	$369,158 Land $119,468 Building $249,690	$369,158 Land $119,468 Building $249,690
2023	$1,524.00	$346,379 Land $102,959 Building $243,420	$346,379 Land $102,959 Building $243,420

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

Flood

FEMA maps place 163 Cross Mountain 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
Community Rating System	Class 10 (0% premium discount)
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

Wildfire risk around 163 Cross Mountain Rd is high, ranking above 77% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 77% of the US · lower than 66% of Idaho
Wildfire Likelihood	0.3% 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 3 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
Intermax Networks Fixed Wireless	30 / 10
E.L. Internet Northwest Fixed Wireless	30 / 7

Cell Coverage

5G and 4G LTE (outdoors only)

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