232 Flatwater Ln, Sandpoint, ID 83864 Property Records

Bonner County property record for 232 Flatwater Ln, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,563 sqft · built 2005
Lot Size	2.65 acres (115,434 sqft)
Owner	Individual Name on Record
Tax Bill	$11,882 (2026)
Deeds & Mortgages	Mar 2026 Second Mortgage Jul 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`RP56N03W048500A`

Property Details

APN / Parcel Number

Primary APN	`RP56N03W048500A`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,563 sqft Finished Area
1st Floor Area	4,563 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	115,434 sqft (2.65 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	150 sqft

Exterior Amenities

Pole Barn	2,880 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 FLATWATER LN
City	SANDPOINT
State	ID
Zip	83864-3703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	4-56N-3W TAX 37
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

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	Individual Name on Record
Mailing Address	232 FLATWATER LN, SANDPOINT, ID 83864-3703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BETTER MORTGAGE CORPORATION
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2021
Deed Sale	Jul 15, 2021
Prior Sale	Jul 13, 2021 · Amount on Record
Deed Document Number	2021987446
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	232 FLATWATER LN, SANDPOINT, ID 83864-3703
Transaction Type	Mortgage
Record Updated	Mar 25, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001058961
Date	Mar 5, 2026
Instrument	1058961

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2036

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Jul 13, 2021
Property Address	232 FLATWATER LN, SANDPOINT, ID 83864-3703
Document Number	987208
Instrument Date	Jul 12, 2021
Instrument	987208
Transaction Type	Transfer
Record Updated	Jul 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
Address	232 FLATWATER LN, SANDPOINT, ID 83864-3703

Mortgage

Document Number	987209
Date	Jul 13, 2021
Instrument	987209

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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	Lake Pend Oreille School District 84 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,882.00 (+7.53%) Homeowner's exemption	$2,954,117 (-3.78%) Land $1,394,425 Building $1,559,692	$2,954,117 (-3.78%) Land $1,394,425 Building $1,559,692
2025	$11,050.00 (+40.32%) Homeowner's exemption	$3,070,036 (+36.66%) Land $1,394,425 Building $1,675,611	$3,070,036 (+36.66%) Land $1,394,425 Building $1,675,611
2023	$7,875.00 Homeowner's exemption	$2,246,442 Land $1,050,275 Building $1,196,167	$2,246,442 Land $1,050,275 Building $1,196,167

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 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 95% of Idaho
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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