321 S Florence Ave, Sandpoint, ID 83864 Property Records

Bonner County property record for 321 S Florence Ave, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,604 sqft · built 1974
Lot Size	0.29 acres (12,632 sqft)
Owner	Trust Name on File
Last Sale	$497,500 (Nov 2021)
Tax Bill	$3,180 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`RPS0435006016AA`

Property Details

APN / Parcel Number

Primary APN	`RPS0435006016AA`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,604 sqft Finished Area
1st Floor Area	2,604 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1990
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Mixed
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	321 S FLORENCE AVE
City	SANDPOINT
State	ID
Zip	83864-1707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22-57N-2W SOUTHMAYD,MCK,WILSON BLK 6 LOT 16 & 17
Legal Range	02W
Legal Township	57N
Legal Section	22
Legal Subdivision	SOUTHMAYD,MCK,WILSON
Legal Block	6
Legal Lot Number	16-17
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	2
Census Block	2001
Census Tract	950403

Owner

321 S Florence Ave is owner-occupied and held in a trust since January 2024.

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

Owner of Record	Trust Name on File
Mailing Address	321 S FLORENCE AVE, SANDPOINT, ID 83864-1707
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MOUNTAIN WEST BANK
Sep 23, 2021	Deed of Trust, Mortgage · Line of Credit MOUNTAIN WEST BANK
Jun 16, 2021	Deed of Trust, Mortgage · Line of Credit MOUNTAIN WEST BANK
Apr 23, 2019	Deed of Trust, Mortgage · Commercial Mortgage MOUNTAIN WEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2021 · Amount on File
Deed Sale	Nov 29, 2021 · Amount on File
Prior Sale	May 11, 2016 · Amount on File
Deed Document Number	2021996369
Last Transfer Date	Jan 30, 2024
Transfer Doc	0001029993
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	Nov 29, 2021
Property Address	321 S FLORENCE AVE, SANDPOINT, ID 83864-1707
Document Number	996369
Map Reference	MB 1 PG 53
Instrument Date	Nov 23, 2021
Instrument	996369
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	TITLEONE SANDPOINT

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	321 S FLORENCE AVE, SANDPOINT, ID 83864-1707

Mortgage

Document Number	996370
Date	Nov 29, 2021
Instrument	996370

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	321 S FLORENCE AVE, SANDPOINT, ID 83864-1707
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	ALLIANCE TITLE SANDPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S FLORENCE AVE, SANDPOINT, ID 83864-1707

Mortgage

Document Number	992244
Date	Sep 23, 2021
Instrument	992244

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	SANDPOINT, ID 83864

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	321 S FLORENCE AVE, SANDPOINT, ID 83864-1707
Transaction Type	Mortgage
Record Updated	Jul 1, 2021
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	985388
Date	Jun 16, 2021
Instrument	985388

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	COEUR D ALENE, ID 83814

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	321 S FLORENCE AVE, SANDPOINT, ID 83864-1707
Transaction Type	Mortgage
Record Updated	May 15, 2019
Title Company	ALLIANCE TITLE SANDPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	937522
Date	Apr 23, 2019
Instrument	937522

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	SANDPOINT, ID 83864

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 321 S Florence Ave was $3,180 with a homeowner's exemption, up 10.8% from the year before.

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	$3,180.00 (+10.76%) Homeowner's exemption	$565,403 (-6.49%) Land $260,773 Building $304,630	$565,403 (-6.49%) Land $260,773 Building $304,630
2025	$2,871.00 Homeowner's exemption	$604,623 Land $260,773 Building $343,850	$604,623 Land $260,773 Building $343,850
2023	$2,670.00 Homeowner's exemption	$606,992 Land $260,773 Building $346,219	$606,992 Land $260,773 Building $346,219

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

Flood

FEMA maps place 321 S Florence Ave 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 321 S Florence Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 97.8% of Idaho
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 491 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
MountainLink Fixed Wireless	250 / 50
Intermax Networks Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Kaniksu Internet.

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