Bonner County property record for 285 Tall Timber Rd, Sandpoint, ID 83864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,445 sqft · built 2023 |
| Lot Size | 0.268 acres (11,674 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,995,000 (Oct 2025) |
| Tax Bill | $10,612 (2026) |
| Deeds & Mortgages | Nov 2022 Construction Loan Jun 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | RP045270030040A |
| Primary APN | RP045270030040A |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 11 Rooms |
| Stories | 3 Stories |
| Building Area | 2,445 sqft Finished Area |
| 1st Floor Area | 2,925 sqft |
| Basement Area | 495 sqft |
| Finished Basement | 495 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Roof Type | Gable |
| Roof Material | Galvanized Metal |
| Lot Area | 11,674 sqft (0.268 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
| Cooling System | None |
|---|---|
| Heating System | Radiant |
| Street Address | 285 TALL TIMBER RD |
|---|---|
| City | SANDPOINT |
| State | ID |
| Zip | 83864-5462 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | Av |
| Legal Description | 20-58N-2W SPIRES PUD 1ST ADDN BLK 3 LOT 4 |
| Legal Range | 02W |
| Legal Township | 58N |
| Legal Section | 20 |
| Legal Subdivision | SPIRES |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | BONNER ID |
| Township / Civil Division | SANDPOINT |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 950401 |
285 Tall Timber Rd is held in a trust since October 2025.
Source: Bonner County records, as of October 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3922 N CAMINO OJO DE AGUA, TUCSON, AZ 85749-7819 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 23, 2022 | Deed of Trust, Mortgage · Construction Mortgage MOUNTAIN WEST BANK |
| Jun 20, 2024 | Deed of Trust, Mortgage · Line of Credit MOUNTAIN WEST BANK |
| Oct 31, 2025 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Apr 12, 2018 | Warranty Deed, Transfer · ARM MOUNTAIN WEST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2025 · Amount on File |
| Deed Sale | Oct 31, 2025 · Amount on File |
| Prior Sale | Jan 15, 2025 · Amount on File |
| Deed Document Number | 20251054231 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Property Address | 285 TALL TIMBER RD, SANDPOINT, ID 83864 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | FLYING S T&E SANDPOINT |
| Name | Verified Name |
|---|
| Document Number | 0001014527 |
|---|---|
| Date | Nov 23, 2022 |
| Instrument | 1014527 |
| Name | MOUNTAIN WEST BANK |
|---|---|
| Type | Bank |
| Address | COEUR D ALENE, ID 83814 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Property Address | 285 TALL TIMBER RD, SANDPOINT, ID 83864 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | PIONEER TITLE KOOTENAI COUNTY, PIONEER TITLE BONNER COUNTY |
| Name | Verified Name |
|---|---|
| Address | 2305 E 52ND LN, SPOKANE, WA 99223-6523 |
| Document Number | 0001034682 |
|---|---|
| Date | Jun 20, 2024 |
| Instrument | 1034682 |
| Name | MOUNTAIN WEST BANK |
|---|---|
| Type | Bank |
| Address | SANDPOINT, ID 83864 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BONNER ID |
| Recording Date | Oct 31, 2025 |
| Property Address | 285 TALL TIMBER RD, SANDPOINT, ID 83864 |
| Document Number | 0001054231 |
| Map Reference | MB 10 PG 63 |
| Instrument Date | Oct 20, 2025 |
| Instrument | 1054231 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | NORTH ID TITLE COMPANY, NORTH IDAHO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3922 N CAMINO OJO DE AGUA, TUCSON, AZ 85749-7819 |
| Document Number | 0001054232 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 1054232 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11% |
| Index | 1-Year CMT |
| Max Rate | 11% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BONNER ID |
| Recording Date | Apr 12, 2018 |
| Property Address | 285 TALL TIMBER RD, SANDPOINT, ID 83864 |
| Document Number | 0000920188 |
| Map Reference | MB10 PG63 |
| Instrument Date | Apr 11, 2018 |
| Instrument | 920188 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Title Company | ALLIANCE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 18250 142ND AVE NE APT 425, 425, WOODINVILLE, WA 98072-4368 |
| Document Number | 0000920189 |
|---|---|
| Date | Apr 12, 2018 |
| Instrument | 920189 |
| Name | MOUNTAIN WEST BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.24% |
| Type Change Date | May 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 10.2% |
| Index | 5-Year CMT |
| Max Rate | 3.05% |
The 2026 property tax bill for 285 Tall Timber Rd was $10,612.
Source: Bonner County assessment roll, as of October 15, 2026
| Type | Name |
|---|---|
| State | Idaho |
| County | Bonner County |
| Unified School District | Lake Pend Oreille School District 84 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,612.00 | $2,291,558 (-6.02%) Land $649,426 Building $1,642,132 | $2,291,558 (-6.02%) Land $649,426 Building $1,642,132 |
| 2025 | $10,612.00 | $2,438,259 Land $709,699 Building $1,728,560 | $2,438,259 Land $709,699 Building $1,728,560 |
| 2023 | $1,603.00 | $333,975 Land $333,975 | $333,975 Land $333,975 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 285 Tall Timber Rd in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 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 risk around 285 Tall Timber Rd is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 85% of Idaho |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| MountainLink Fixed Wireless | 250 / 50 |
| Intermax Networks Cable · Fixed Wireless · Fiber in parts of the area | 200 / 20 |
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