215 Five Lakes Ests, Sagle, ID 83860 Property Records

Bonner County property record for 215 Five Lakes Ests, Sagle, ID 83860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,535 sqft · built 1996
Lot Size	5.72 acres (249,207 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,034 (2026)
Deeds & Mortgages	Nov 2021 Reverse Mortgage Jul 2018 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RP56N02W350600A`

Property Details

APN / Parcel Number

Primary APN	`RP56N02W350600A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,535 sqft Finished Area
1st Floor Area	2,535 sqft
Basement Area	1,040 sqft
Finished Basement	1,040 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Rustic
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	249,207 sqft (5.72 acres)
Garage Type	Detached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	215 FIVE LAKES ESTS
City	SAGLE
State	ID
Zip	83860-9097
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	35-56N-2W TAX 11
Legal Range	02W
Legal Township	56N
Legal Section	35
Legal Subdivision	FIVE LAKES
Jurisdiction	BONNER ID
Township / Civil Division	BLANCHARD-GLENGARY
Census Block Group	2
Census Block	2000
Census Tract	950801

Owner

215 Five Lakes Ests is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	215 FIVE LAKES ESTS, SAGLE, ID 83860-9097
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 1, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jul 30, 2018	Deed of Trust, Mortgage · Reverse Mortgage COMMISSIONER OF HOUSING AND URBAN DEVELO
Jul 30, 2018	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	215 FIVE LAKES ESTS, SAGLE, ID 83860-9097
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	ALLIANCE TITLE-BOISE PRODUCT, ALLIANCE TTL BOISE PRODUCT C

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 FIVE LAKES ESTS, SAGLE, ID 83860-9097
Investor	Possibly a Property Investor

Mortgage

Document Number	0000994715
Date	Nov 1, 2021
Instrument	994715

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	948 Months
Due	Nov 29, 2100

Interest

Rate Type	Adjustable Rate
Rate	2.35%
Change Frequency	Annually
Index	1-Year LIBOR

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	215 FIVE LAKES ESTS, SAGLE, ID 83860-9097
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	925248
Date	Jul 30, 2018
Instrument	925248

Lender

Name	COMMISSIONER OF HOUSING AND URBAN DEVELO
Type	Non-Lending Institution
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.41%
Type Change Date	Aug 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	215 FIVE LAKES ESTS, SAGLE, ID 83860-9097
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	925247
Date	Jul 30, 2018
Instrument	925247

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.14%
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

Tax Assessment & Valuation

The 2026 property tax bill for 215 Five Lakes Ests was $2,034 with a homeowner's exemption, up 7.5% 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	$2,034.00 (+7.51%) Homeowner's exemption	$562,771 (-) Land $177,065 Building $385,706	$562,771 (-) Land $177,065 Building $385,706
2025	$1,892.00 Homeowner's exemption	$562,771 Land $177,065 Building $385,706	$562,771 Land $177,065 Building $385,706
2023	$1,901.00 Homeowner's exemption	$575,148 Land $172,396 Building $402,752	$575,148 Land $172,396 Building $402,752

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

Flood

FEMA maps place 215 Five Lakes Ests in Zone X, an area of minimal flood risk.

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

Wildfire risk around 215 Five Lakes Ests is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 88% 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 9 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: Intermax Networks, T-Mobile.

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