225 Cedar St, Sandpoint, ID 83864 Property Records

Bonner County property record for 225 Cedar St, Sandpoint, ID 83864

Property Summary

Property Type	Commercial
Details	5,461 sqft · built 1922
Lot Size	0.194 acres (8,451 sqft)
Owner	2 Individual Names on Record
Last Sale	$798,000 (Jun 2026)
Tax Bill	$5,707 (2026)
Deeds & Mortgages	May 2005 Mortgage Jun 2026 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RPS0389001009AA`

Property Details

APN / Parcel Number

Primary APN	`RPS0389001009AA`

Interior

Building Area	5,461 sqft Finished Area
1st Floor Area	5,461 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 2006
Lot Area	8,451 sqft (0.194 acres)
Garage Type	Built-in

Location & Zoning

Street Address	225 CEDAR ST
City	SANDPOINT
State	ID
Zip	83864-1410
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	22-57N-2W SANDPOINT ORIG BLK 1 LOTS 9 & 10 LESS TAX 1 - CPWRS
Legal Range	02W
Legal Township	57N
Legal Section	22
Legal Subdivision	CPWRS
Legal Block	1
Legal Lot Number	9-10
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	2
Census Block	2027
Census Tract	950300

Owner

Source: Bonner County records, as of October 15, 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	813 BRYCE LN, SANDPOINT, ID 83864-5121
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 20, 2005	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON TRUST BANK
Jun 1, 2026	Warranty Deed, Transfer · Line of Credit NUMERICA CREDIT UNION
Jun 1, 2026	Quit Claim Deed, Transfer NORTHERN IDAHO TITLE, NORTH IDAHO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Deed Document Number	20261062435
Prior Transfer Date	May 21, 2026
Prior Transfer Doc	0001062434
Record Updated	Oct 29, 2026

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	225 CEDAR ST, SANDPOINT, ID 83864-1410
Transaction Type	Mortgage
Record Updated	Jun 17, 2026
Title Company	SANDPOINT TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000677095
Date	May 20, 2005
Instrument	677095

Lender

Name	WASHINGTON TRUST BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Jun 1, 2026
Property Address	225 CEDAR ST, SANDPOINT, ID 83864-1410
Document Number	0001062435
Instrument Date	May 27, 2026
Instrument	20261062435
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	NORTHERN IDAHO TITLE, NORTH IDAHO TITLE

Transaction

Amount	Amount Recorded
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
Relationship	Community Property
Address	813 BRYCE LN, SANDPOINT, ID 83864-5121

Mortgage

Document Number	0001062436,
Date	Jun 1, 2026
Instrument	20261062436

Lender

Name	NUMERICA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 15, 2036

Interest

Rate	6.3%
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BONNER ID
Recording Date	Jun 1, 2026
Property Address	225 CEDAR ST, SANDPOINT, ID 83864-1410
Document Number	0001062434
Instrument Date	May 21, 2026
Instrument	20261062434
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NORTHERN IDAHO TITLE, NORTH IDAHO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Idaho
County	Bonner County
Municipality	Sandpoint City
Unified School District	Lake Pend Oreille School District 84 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,707.00	$916,433 (-) Land $338,080 Building $578,353	$916,433 (-) Land $338,080 Building $578,353
2025	$5,707.00 (-2.18%)	$916,433 (+0.93%) Land $338,080 Building $578,353	$916,433 (+0.93%) Land $338,080 Building $578,353
2023	$5,834.00	$908,024 Land $338,080 Building $569,944	$908,024 Land $338,080 Building $569,944

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 · 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2008–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 2010 · rainfall accumulation

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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SANDPOINT PUBLIC WORKS DEPT serves 12,284 people · EPA ID ID1090121
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jul 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 385 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Ting Fiber	1,000 / 1,000
Vyve Broadband Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
MountainLink Fixed Wireless	250 / 50
Intermax Networks Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Kaniksu Internet, T-Mobile.

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