197 Lower Joe Loop, Saint Maries, ID 83861 Property Records

Benewah County property record for 197 Lower Joe Loop, Saint Maries, ID 83861

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,064 sqft · built 2021
Lot Size	8 acres (348,480 sqft)
Owner	2 Individual Names on Record
Tax Bill	$232 (2026)
Deeds & Mortgages	Nov 2021 Mortgage May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`RP46N01W243401A`

Property Details

APN / Parcel Number

Primary APN	`RP46N01W243401A`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	348,480 sqft (8 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Propane

Location & Zoning

Street Address	197 LOWER JOE LOOP
City	SAINT MARIES
State	ID
Zip	83861-5109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S24 T46N R1W W2W2NWNW SO OF RR R/W, TRACT 8
Legal Range	01W
Legal Township	46N
Legal Section	24
Legal Tract	8
Jurisdiction	BENEWAH ID
Township / Civil Division	ST. MARIES
Census Block Group	1
Census Block	1041
Census Tract	950100

Owner

Source: Benewah County records, as of September 9, 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	401 SUNRISE DR, OTHELLO, WA 99344-9346
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage JARL ENTERPRISES LLC
May 23, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE IN, FIRST AMERICAN TITLE SAIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2024
Deed Sale	Jul 22, 2024
Prior Sale	May 23, 2017
Deed Document Number	2024302377
Prior Transfer Date	Jul 13, 2005
Prior Transfer Doc	0000239142
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENEWAH ID
Property Address	197 LOWER JOE LOOP, SAINT MARIES, ID 83861-5109
Transaction Type	Mortgage
Record Updated	Jan 4, 2022
Title Company	FIRST AMERICAN TITLE-SAINT MARIES, FIRST AMER TTL SAINT MARIES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000293397
Date	Nov 2, 2021
Instrument	293397

Lender

Name	JARL ENTERPRISES LLC
Type	Non-Lending Institution
Address	SPOKANE, WA 99207

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENEWAH ID
Recording Date	May 23, 2017
Property Address	197 LOWER JOE LOOP, SAINT MARIES, ID 83861-5109
Document Number	0000277296
Instrument Date	May 18, 2017
Instrument	277296
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	FIRST AMERICAN TITLE IN, FIRST AMERICAN TITLE SAIN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2204 W GORDON AVE, SPOKANE, WA 99205-2548

Tax Assessment & Valuation

Source: Benewah County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Idaho
County	Benewah County
Unified School District	St. Maries Joint School District 41 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$232.00 (-90.01%)	$433,420 (-0.3%) Land $110,000 Building $323,420	$433,420 (-0.3%) Land $110,000 Building $323,420
2025	$2,322.00 (+51.57%)	$434,736 (+3.21%) Land $110,000 Building $324,736	$434,736 (+3.21%) Land $110,000 Building $324,736
2023	$1,532.00 (-26.2%)	$421,220 (-6.36%) Land $110,000 Building $311,220	$421,220 (-6.36%) Land $110,000 Building $311,220
2022	$2,076.00	$449,836 Land $118,000 Building $331,836	$449,836 Land $118,000 Building $331,836

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 November 16, 2022 · 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
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	20 (1982–2017)
Claims Outside the SFHA	3 of 20
Most Recent Claim	Mar 2017 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Snowmelt, Land/mud Slides, Flooding, May 1997 · 3 claims Severe Storms And Flooding, Feb 1996 · 12 claims

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

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

Wildfire Risk	Moderate above 59% of the US · lower than 81% of Idaho
Wildfire Likelihood	0.06% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Intermax Networks Fixed Wireless	25 / 3

Cell Coverage

No cell data coverage reported

Nearby Properties on Lower Joe Loop

Nearby Streets

All Saint Maries, ID Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures