40 Gem Ln, Sandpoint, ID 83864 Property Records

Bonner County property record for 40 Gem Ln, Sandpoint, ID 83864 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,016 sqft · built 1976
Lot Size	0.128 acres (5,576 sqft)
Owner	2 Company Names on File
Last Sale	$937,500 (May 2021)
Tax Bill	$2,008 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RP57N01E186520A`

Property Details

APN / Parcel Number

Primary APN	`RP57N01E186520A`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,016 sqft Finished Area
1st Floor Area	2,016 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2005
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	5,576 sqft (0.128 acres)
Garage Type	Mixed
Garage Area	958 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	40 GEM LN
City	SANDPOINT
State	ID
Zip	83864-9074
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18-57N-1E TAX 26
Legal Range	01E
Legal Township	57N
Legal Section	18
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	1
Census Block	1062
Census Tract	950202

Owner

Source: Bonner County records · APN RP57N01E186520A

Assessment roll updated August 22, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	40 GEM LN, SANDPOINT, ID 83864-9074
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage THE WILSON TRUST
May 13, 2020	Warranty Deed, Transfer · Conventional Mortgage WILLAMETTE VALLEY BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 13, 2021 · Amount on Record
Deed Sale	May 13, 2021 · Amount on Record
Prior Sale	May 13, 2020 · Amount on Record
Deed Document Number	2021982752
Prior Transfer Date	Nov 03, 2008
Prior Transfer Doc	761972
Record Updated	Sep 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	May 13, 2021
Property Address	40 GEM LN, SANDPOINT, ID 83864-9074
Document Number	982752
Instrument Date	May 12, 2021
Instrument	982752
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	ALLIANCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	40 GEM LN, SANDPOINT, ID 83864-9074

Mortgage

Document Number	982753
Date	May 13, 2021
Instrument	982753

Lender

Name	THE WILSON TRUST
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	May 13, 2020
Property Address	40 GEM LN, SANDPOINT, ID 83864-9074
Document Number	957141
Instrument Date	Apr 27, 2020
Instrument	957141
Transaction Type	Transfer
Record Updated	Sep 14, 2021
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	40 GEM LN, SANDPOINT, ID 83864-9074

Mortgage

Document Number	957142
Date	May 13, 2020
Instrument	957142

Lender

Name	WILLAMETTE VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

Mortgage

Document Number	957143
Date	May 13, 2020
Instrument	957143

Lender

Name	CONNEXUS CU
Type	Credit Union
Address	WAUSAU, WI 54401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Bonner County records · Assessment roll updated August 22, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$618,538 (-5.56%)	$618,538 (-5.56%)
2025	$2,008.00 (+8.83%) Homeowner's exemption	$654,970 (+6.98%) Land $181,087 Building $473,883	$654,970 (+6.98%) Land $181,087 Building $473,883
2023	$1,845.00 Homeowner's exemption	$612,252 Land $137,672 Building $474,580	$612,252 Land $137,672 Building $474,580

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bonner County (16017C), updated May 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 160179502021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force

Wildfire

Wildfire Risk	Low above 34% of the US · above 8% of Idaho
Wildfire Likelihood	About 1 in 2,703 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 12 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)	Low Latency
Mann Holdings	Fixed Wireless (unlicensed)	250 / 50	Yes
Kaniksu	Fixed Wireless (unlicensed)	100 / 30	Yes
T-Mobile USA	Fixed Wireless	100 / 20	Yes
Wired or Wireless	Fixed Wireless (unlicensed)	30 / 10	No

May also be available at this address: Newmax. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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