3295 Lower Bluff Rd, Emmett, ID 83617 Property Records

Gem County property record for 3295 Lower Bluff Rd, Emmett, ID 83617

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,808 sqft · built 1933
Lot Size	5 acres (218,018 sqft)
Owner	Individual Name on File
Last Sale	$655,690 (Jul 2025)
Tax Bill	$919 (2025)
Deeds & Mortgages	Mar 2008 Mortgage Jun 2009 Line of Credit + 4 more
Flood Zone	Zone D (undetermined)
APN	`RP07N01W307590A`

Property Details

APN / Parcel Number

Primary APN	`RP07N01W307590A`
Alternative APNs	`RP07N01W307590` `RP00459200A` `7261`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,808 sqft Living Area
1st Floor Area	1,808 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Concrete
Lot Area	218,018 sqft
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Shed	1 Shed
Shed Area	120 sqft
Lean-To	220 sqft
Utility Building	130 sqft
Pole Barn	1,620 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	7261
Street Address	3295 LOWER BLUFF RD
City	EMMETT
State	ID
Zip	83617-9532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	07N 01W SEC 30 TAX4241
Legal Range	01W
Legal Township	07N
Legal Section	30
Jurisdiction	GEM ID
Township / Civil Division	EMMETT BENCH
Census Block Group	3
Census Block	3028
Census Tract	960100

Owner

3295 Lower Bluff Rd is owned and occupied by an individual who bought it in July 2025.

Source: Gem County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	3295 LOWER BLUFF RD, EMMETT, ID 83617-9532
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Mar 24, 2008	Deed of Trust, Mortgage · Conventional Mortgage HOME FEDERAL BANK
Jun 30, 2009	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Sep 30, 2011	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 30, 2006	Deed of Trust, Mortgage · ARM WELLS FARGO FINANCIAL IDAHO INC
Jul 1, 2025	Warranty Deed, Transfer · Non-Conforming Investor Loan RIVER BANK
Dec 8, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	Dec 6, 2024 · Amount on File
Deed Document Number	2025354100
Prior Transfer Date	Dec 7, 2023
Prior Transfer Doc	0000347880
Record Updated	Oct 29, 2026

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEM ID
Property Address	3295 LOWER BLUFF RD, EMMETT, ID 83617-9532
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000265320
Date	Mar 24, 2008
Instrument	265320

Lender

Name	HOME FEDERAL BANK
Type	Bank
Address	NAMPA, ID 83651

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2038

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEM ID
Property Address	3295 LOWER BLUFF RD, EMMETT, ID 83617-9532
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000272737
Date	Jun 30, 2009
Instrument	272737

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEM ID
Property Address	3295 LOWER BLUFF RD, EMMETT, ID 83617-9532
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000283929
Date	Sep 30, 2011
Instrument	283929

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2041

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEM ID
Property Address	3295 LOWER BLUFF RD, EMMETT, ID 83617-9532
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000254284
Date	Aug 30, 2006
Instrument	254284

Lender

Name	WELLS FARGO FINANCIAL IDAHO INC
Address	NAMPA, ID 83651

Agreement

Type	ARM
Amount	Amount on Record
Term	480 Months
Due	Aug 30, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	6 Months
Min Rate At Change	3.5%
Index	Prime Rate
Max Rate	6%

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GEM ID
Recording Date	Jul 1, 2025
Property Address	3295 LOWER BLUFF RD, EMMETT, ID 83617-9532
Document Number	0000354100
Instrument Date	Jun 30, 2025
Instrument	354100
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	TITLEONE BOISE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3295 LOWER BLUFF RD, EMMETT, ID 83617-9532

Mortgage

Document Number	0000354101
Date	Jul 1, 2025
Instrument	354101

Lender

Name	RIVER BANK
Type	Bank

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GEM ID
Recording Date	Dec 8, 2023
Property Address	3295 LOWER BLUFF RD, EMMETT, ID 83617-9532
Document Number	0000347880
Instrument Date	Dec 7, 2023
Instrument	347880
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3295 LOWER BLUFF RD, EMMETT, ID 83617-9532

Tax Assessment & Valuation

The 2025 property tax bill for 3295 Lower Bluff Rd was $919, up 344% from the year before.

Source: Gem County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	Idaho
County	Gem County
Unified School District	Emmett Independent School District 221 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$476,954 (+5.92%) Land $198,565 Building $278,389	$476,954 (+5.92%) Land $198,565 Building $278,389
2025	$919.00 (+343.96%)	$450,288 Land $190,191 Building $260,097	$450,288 Land $190,191 Building $260,097
2024	$207.00
2021	$180.00 Homeowner's exemption	$234,810 Land $114,409 Building $120,401	$234,810 Land $114,409 Building $120,401

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3295 Lower Bluff Rd in Zone D, where flood risk has not been studied, though there have been 2 flood claims nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1997–2011)
Most Recent Claim	May 2011 · 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 3295 Lower Bluff Rd is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 82% of Idaho
Wildfire Likelihood	0.2% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Vickery Internet Fixed Wireless	500 / 100
Anthem Broadband Fixed Wireless	500 / 100

May also be available: Verizon.

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