170 Flatwater Ln, Sandpoint, ID 83864 Property Records

Bonner County property record for 170 Flatwater Ln, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 2,220 sqft · built 1983
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on File
Last Sale	$1,768,900 (Jun 2026)
Tax Bill	$5,345 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`RP56N03W048403A`

Property Details

APN / Parcel Number

Primary APN	`RP56N03W048403A`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,220 sqft Finished Area
1st Floor Area	3,432 sqft
Attic	Attic
Attic Area	780 sqft
Basement Area	864 sqft
Finished Basement	864 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Garage Type	Attached
Gazebo	231 sqft
Lean-To	275 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	170 FLATWATER LN
City	SANDPOINT
State	ID
Zip	83864-3702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	4-56N-3W TAX 52
Legal Range	03W
Legal Township	56N
Legal Section	04
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	3
Census Block	3051
Census Tract	950402

Owner

170 Flatwater Ln is owned by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	12684 W PINE ST, SANDPOINT, ID 83864-7334
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 1, 2026	Warranty Deed, Transfer · Conventional Mortgage MOUNTAIN WEST BANK
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Mar 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
May 31, 2019	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2026 · Amount on File
Deed Sale	Jun 1, 2026 · Amount on File
Prior Sale	May 31, 2019 · Amount on File
Deed Document Number	20261062447
Prior Transfer Date	Sep 28, 2015
Prior Transfer Doc	0000880102
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Jun 1, 2026
Property Address	170 FLATWATER LN, SANDPOINT, ID 83864-3702
Document Number	0001062447
Instrument Date	May 28, 2026
Instrument	20261062447
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	TITLEONE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12684 W PINE ST, SANDPOINT, ID 83864-7334
Investor	Possibly a Property Investor

Mortgage

Document Number	0001062448,
Date	Jun 1, 2026
Instrument	20261062448

Lender

Name	MOUNTAIN WEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	170 FLATWATER LN, SANDPOINT, ID 83864-3702
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	ALLIANCE TITLE-BOISE PRODUCT, ALLIANCE TITLE BOISE PRODUCT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	967169
Date	Oct 6, 2020
Instrument	967169

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	170 FLATWATER LN, SANDPOINT, ID 83864-3702
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	ALLIANCE TITLE-BOISE PRODUCT, ALLIANCE TTL BOISE PRODUCTIO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	954611
Date	Mar 18, 2020
Instrument	954611

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	May 31, 2019
Property Address	170 FLATWATER LN, SANDPOINT, ID 83864-3702
Document Number	939311
Instrument Date	May 28, 2019
Instrument	939311
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	NORTH ID TITLE COMPANY-COEUR D'ALENE, NORTH ID TTL CO COEUR D ALEN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	170 BUZZARD BLVD, SANDPOINT, ID 83864-6556

Mortgage

Document Number	939312
Date	May 31, 2019
Instrument	939312

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 170 Flatwater Ln was $5,345.

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	$5,345.00	$1,310,201 (-0.11%) Land $1,012,925 Building $297,276	$1,310,201 (-0.11%) Land $1,012,925 Building $297,276
2025	$5,345.00	$1,311,661 Land $1,012,925 Building $298,736	$1,311,661 Land $1,012,925 Building $298,736
2023	$4,559.00	$1,029,192 Land $688,275 Building $340,917	$1,029,192 Land $688,275 Building $340,917

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

Flood

FEMA maps place 170 Flatwater Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	8 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 170 Flatwater Ln is low, with less than 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 96% of the US · lower than 98.3% of Idaho
Wildfire Likelihood	Under 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.

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: AT&T, Intermax Networks, T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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