34 Silver Reef Rd, Sagle, ID 83860 Property Records

Bonner County property record for 34 Silver Reef Rd, Sagle, ID 83860

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,568 sqft · built 2006
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,368 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`RP003540040120A`

Property Details

APN / Parcel Number

Primary APN	`RP003540040120A`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,568 sqft Finished Area
1st Floor Area	1,568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	34 SILVER REEF RD
City	SAGLE
State	ID
Zip	83860-9386
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	5-55N-1W PONDEROSA TERRACE EST 1ST ADD BLK 4 LOT 12 CPWRS
Legal Range	01W
Legal Township	55N
Legal Section	05
Legal Subdivision	PONDEROSA TERRACE
Legal Block	4
Legal Lot Number	12
Jurisdiction	BONNER ID
Township / Civil Division	BLANCHARD-GLENGARY
Census Block Group	1
Census Block	1023
Census Tract	950901

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	2 Individual Names on Record
Mailing Address	34 SILVER REEF RD, SAGLE, ID 83860-9386
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 28, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 28, 2018	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2021
Deed Sale	Aug 5, 2021
Prior Sale	Dec 28, 2020 · Amount on Record
Deed Document Number	2021988837
Prior Transfer Date	Nov 20, 2014
Prior Transfer Doc	867291
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Recording Date	Apr 14, 2026
Property Address	34 SILVER REEF RD, SAGLE, ID 83860-9386
Document Number	0001060448
Instrument Date	Apr 1, 2026
Instrument	20261060448
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SILVER REEF RD, SAGLE, ID 83860-9386

Mortgage

Document Number	0001060448,
Date	Apr 14, 2026
Instrument	20261060448

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Dec 28, 2020
Property Address	34 SILVER REEF RD, SAGLE, ID 83860-9386
Document Number	973073
Map Reference	MB 3 PG 40
Instrument Date	Dec 23, 2020
Instrument	973073
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	NEXTITLE A TITLE AND ESCROW COMPANY, TITLEONE A TITLE & ESCROW CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	34 SILVER REEF RD, SAGLE, ID 83860-9386

Mortgage

Document Number	973074
Date	Dec 28, 2020
Instrument	973074

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Nov 28, 2018
Property Address	34 SILVER REEF RD, SAGLE, ID 83860-9386
Document Number	931564
Map Reference	MB3 PG40
Instrument Date	Nov 26, 2018
Instrument	931564
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 JEFFREY DR, SANDPOINT, ID 83864-8601

Mortgage

Document Number	931565
Date	Nov 28, 2018
Instrument	931565

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

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	$1,368.00 (+8.74%) Homeowner's exemption	$393,196 (-) Land $97,406 Building $295,790	$393,196 (-) Land $97,406 Building $295,790
2025	$1,258.00 (+21.78%) Homeowner's exemption	$393,196 (+13.87%) Land $97,406 Building $295,790	$393,196 (+13.87%) Land $97,406 Building $295,790
2023	$1,033.00 Homeowner's exemption	$345,289 Land $92,096 Building $253,193	$345,289 Land $92,096 Building $253,193

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2014)
Most Recent Claim	Mar 2014 · rainfall accumulation

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	Moderate above 44% of the US · lower than 88% of Idaho
Wildfire Likelihood	0.05% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MountainLink Fixed Wireless	250 / 50

Cell Coverage

No cell data coverage reported

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