400 Bear Trail Rd, Sandpoint, ID 83864 Property Records

Bonner County property record for 400 Bear Trail Rd, Sandpoint, ID 83864

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,000 sqft · built 2003
Lot Size	20.1 acres (876,645 sqft)
Owner	Individual Name on Record
Tax Bill	$3,898 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RP58N01W050002A`

Property Details

APN / Parcel Number

Primary APN	`RP58N01W050002A`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Finished Area
1st Floor Area	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	876,645 sqft (20.1 acres)
Garage Area	30 sqft
Lean-To	720 sqft
Pole Barn	400 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant

Location & Zoning

Street Address	400 BEAR TRAIL RD
City	SANDPOINT
State	ID
Zip	83864-5262
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A/f-10
Legal Description	5-58N-1W E2 GOV LOT 1
Legal Range	01W
Legal Township	58N
Legal Section	05
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	2
Census Block	2050
Census Tract	950201

Owner

Source: Bonner County records, as of August 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	400 BEAR TRAIL RD, SANDPOINT, ID 83864-5262
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Sep 7, 2017	Deed of Trust, Mortgage · Commercial Mortgage MOUNTAIN WEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	400 BEAR TRAIL RD, SANDPOINT, ID 83864-5262
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000952692
Date	Feb 5, 2020
Instrument	952692

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	400 BEAR TRAIL RD, SANDPOINT, ID 83864-5262
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	911015
Date	Sep 7, 2017
Instrument	911015

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	PONDERAY, ID 83852

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Bonner County assessment roll, as of August 22, 2025

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		$1,102,403 (+0.06%)	$1,102,403 (+0.06%)
2025	$3,898.00 (+1.56%) Homeowner's exemption	$1,101,732 (+5.15%) Land $281,112 Building $820,620	$1,101,732 (+5.15%) Land $281,112 Building $820,620
2023	$3,838.00 Homeowner's exemption	$1,047,723 Land $304,446 Building $743,277	$1,047,723 Land $304,446 Building $743,277

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 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

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

Wildfire Risk	Moderate above 42% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MountainLink Fixed Wireless	250 / 50
Intermax Networks Fixed Wireless	100 / 20
Wired or Wireless Fixed Wireless · not low latency	30 / 10
E.L. Internet Northwest Fixed Wireless	30 / 7

Cell Coverage

5G (outdoors only) and 4G LTE

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