23203 E Killarney Lake Rd, Cataldo, ID 83810 Property Records

Kootenai County property record for 23203 E Killarney Lake Rd, Cataldo, ID 83810

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,687 sqft · built 1925
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$274,246 (May 2026)
Tax Bill	$1,004 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48N02W011500`

Property Details

APN / Parcel Number

Primary APN	`48N02W011500`
Alternative APN	`112341`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,687 sqft Living Area
1st Floor Area	400 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Wood Furnace

Location & Zoning

Account Number	112341
Street Address	23203 E KILLARNEY LAKE RD
City	CATALDO
State	ID
Zip	83810-9324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	S 5 AC SW-NE W OF RD 0148N02W
Legal Range	02W
Legal Township	48N
Legal Section	01
Legal Subdivision	SW-NE
Jurisdiction	KOOTENAI ID
Township / Civil Division	HARRISON
Census Block Group	2
Census Block	2052
Census Tract	1901

Owner

23203 E Killarney Lake Rd is owned by two individuals who bought it in May 2026.

Source: Kootenai County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3263 N CARRIAGE CT, POST FALLS, ID 83854-4479
Owner Type	Individual
Vesting	Community Property

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
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage IDAHO CENTRAL CREDIT UNION
Sep 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage GESA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2026 · Amount on File
Deed Sale	May 21, 2026 · Amount on File
Prior Sale	Sep 16, 2025 · Amount on File
Deed Document Number	20263043492
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOOTENAI ID
Recording Date	May 21, 2026
Property Address	23203 E KILLARNEY LAKE RD, CATALDO, ID 83810-9324
Document Number	0003043492
Instrument Date	May 18, 2026
Instrument	20263043492
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	KOOTENAI COUNTY TITLE

Transaction

Amount	Amount on Record
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	3263 N CARRIAGE CT, POST FALLS, ID 83854-4479

Mortgage

Document Number	0003043493,
Date	May 21, 2026
Instrument	20263043493

Lender

Name	IDAHO CENTRAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.69%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	23203 E KILLARNEY LAKE RD, CATALDO, ID 83810-9324
Transaction Type	Mortgage
Record Updated	Oct 6, 2025
Title Company	UNKNOWN, TITLEONE NORTH IDAHO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3016495000
Date	Sep 16, 2025
Instrument	3016495000

Lender

Name	GESA CU
Type	Credit Union
Address	RICHLAND, WA 99352

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Oct 1, 2030
Change Frequency	5 Years
Min Rate At Change	5%
Max Rate At Change	12.2%
Index	5-Year TN
Margin	5
Max Rate	12.2%

Tax Assessment & Valuation

The 2025 property tax bill for 23203 E Killarney Lake Rd was $1,004, up 2.3% from the year before.

Source: Kootenai County assessment roll, as of October 16, 2025

Property Jurisdictions

Type	Name
State	Idaho
County	Kootenai County
Unified School District	Kootenai Joint School District 274 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,004.00 (+2.34%)	$220,400 Land $181,000 Building $39,400	$220,400 Land $181,000 Building $39,400
2024	$981.00 (-0.2%)
2023	$983.00 (+0.51%)	$210,793 (%) Land $172,013 Building $38,780	$210,793 (%) Land $172,013 Building $38,780
2022	$978.00	$210,794 Land $172,014 Building $38,780	$210,794 Land $172,014 Building $38,780

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

Flood

FEMA maps place 23203 E Killarney Lake Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Mar 2014 · river or lake flooding

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

Wildfire risk around 23203 E Killarney Lake Rd is moderate, ranking above 52% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 84% of Idaho
Wildfire Likelihood	0.08% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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