188 Bumpy Way, Blanchard, ID 83804 Property Records

Bonner County property record for 188 Bumpy Way, Blanchard, ID 83804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,088 sqft · built 2023
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,504 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Apr 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`RP014900000040A`

Property Details

APN / Parcel Number

Primary APN	`RP014900000040A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,088 sqft Finished Area
1st Floor Area	2,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	218,236 sqft (5.01 acres)
Garage Type	Attached
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces
Pole Barn	750 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	188 BUMPY WAY
City	BLANCHARD
State	ID
Zip	83804-5110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	17-54N-5W HUNTER ACRES LOT 4
Legal Range	05W
Legal Township	54N
Legal Section	17
Legal Subdivision	HUNTER ACRES
Legal Lot Number	4
Jurisdiction	BONNER ID
Township / Civil Division	BLANCHARD-GLENGARY
Census Block Group	2
Census Block	2023
Census Tract	950702

Owner

Source: Bonner County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 130, BLANCHARD, ID 83804-0130
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Apr 5, 2023	Deed of Trust, Mortgage · Line of Credit CANOPY FCU
May 11, 2021	Deed of Trust, Mortgage · Construction Mortgage MOUNTAIN WEST BANK
Jun 15, 2020	Quit Claim Deed, Transfer ALLIANCE TITLE COMPANY, ALLIANCE TITLE & ESCROW CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2025
Deed Sale	May 2, 2025
Prior Sale	Feb 20, 2024 · Amount on Record
Deed Document Number	20251046501
Prior Transfer Date	Apr 1, 2021
Prior Transfer Doc	0000980004
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Feb 20, 2024
Property Address	188 BUMPY WAY, BLANCHARD, ID 83804-5110
Document Number	0001030447
Map Reference	MB 14 PG 96
Instrument Date	Feb 15, 2024
Instrument	1030447
Transaction Type	Transfer
Record Updated	Feb 28, 2024
Title Company	NOT AVAILABLE, BONNER TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 BUMPY WAY, BLANCHARD, ID 83804-5110

Mortgage

Document Number	0001030448
Date	Feb 20, 2024
Instrument	1030448

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Margin	3
Max Rate	10.8%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	188 BUMPY WAY, BLANCHARD, ID 83804-5110
Transaction Type	Mortgage
Record Updated	Oct 12, 2023
Title Company	NORTH ID TITLE COMPANY, NORTH IDAHO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 BUMPY WAY, BLANCHARD, ID 83804-5110

Mortgage

Document Number	0001018645
Date	Apr 5, 2023
Instrument	1018645

Lender

Name	CANOPY FCU
Type	Credit Union
Address	SPOKANE, WA 99201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	276 Months
Due	Apr 12, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	188 BUMPY WAY, BLANCHARD, ID 83804-5110
Transaction Type	Mortgage
Record Updated	Oct 12, 2023
Title Company	TITLEONE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000982598
Date	May 11, 2021
Instrument	982598

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	COEUR D ALENE, ID 83814

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BONNER ID
Recording Date	Jun 15, 2020
Property Address	188 BUMPY WAY, BLANCHARD, ID 83804-5110
Document Number	0000959055
Map Reference	MB 14 PG 96
Instrument Date	Jun 11, 2020
Instrument	959055
Transaction Type	Transfer
Record Updated	Oct 12, 2023
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE & ESCROW CORP

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 E DALTON AVE, DALTON GARDENS, ID 83815-9232

Tax Assessment & Valuation

Source: Bonner County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	Idaho
County	Bonner County
Unified School District	West Bonner County School District 83 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,504.00	$788,365 (+15.59%) Land $286,203 Building $502,162	$788,365 (+15.59%) Land $286,203 Building $502,162
2025	$2,504.00 (+323.69%)	$682,020 (+256.78%) Land $218,156 Building $463,864	$682,020 (+256.78%) Land $218,156 Building $463,864
2023	$591.00	$191,158 Land $142,835 Building $48,323	$191,158 Land $142,835 Building $48,323

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 62% of the US · lower than 90% of Idaho
Wildfire Likelihood	0.05% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wired or Wireless Fixed Wireless · not low latency	30 / 10

May also be available: Ziply Fiber.

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