401 Saint Clair Ave, Sandpoint, ID 83864 Property Records

Bonner County property record for 401 Saint Clair Ave, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,976 sqft · built 1933
Lot Size	0.233 acres (10,149 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,163 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RPS0506001011AA`

Property Details

APN / Parcel Number

Primary APN	`RPS0506001011AA`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,976 sqft Finished Area
1st Floor Area	1,976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1995
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,149 sqft (0.233 acres)
Garage Type	Attached
Garage Area	64 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 SAINT CLAIR AVE
City	SANDPOINT
State	ID
Zip	83864-1122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22-57N-2W WHEELANS ADDN BLK 1 LOT 11 LESS S 20FT & ALL OF LOT 12
Legal Range	02W
Legal Township	57N
Legal Section	22
Legal Subdivision	WHEELANS ADD
Legal Block	1
Legal Lot Number	11-12
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	4
Census Block	4024
Census Tract	950300

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	2 Individual Names on Record
Mailing Address	401 SAINT CLAIR AVE, SANDPOINT, ID 83864-1122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2023	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Dec 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 7, 2022
Transfer Doc	0001014057
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	401 SAINT CLAIR AVE, SANDPOINT, ID 83864-1122
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 SAINT CLAIR AVE, SANDPOINT, ID 83864-1122

Mortgage

Document Number	0001026777
Date	Oct 24, 2023
Instrument	1026777

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	401 SAINT CLAIR AVE, SANDPOINT, ID 83864-1122
Transaction Type	Mortgage
Record Updated	Jan 12, 2022
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000998094
Date	Dec 27, 2021
Instrument	998094

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

Interest

Tax Assessment & Valuation

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

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		$654,857 (-0.7%)	$654,857 (-0.7%)
2025	$3,163.00 (+5.19%) Homeowner's exemption	$659,497 (-2.71%) Land $306,777 Building $352,720	$659,497 (-2.71%) Land $306,777 Building $352,720
2023	$3,007.00 Homeowner's exemption	$677,846 Land $336,526 Building $341,320	$677,846 Land $336,526 Building $341,320

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	7 (1982–2011)
Most Recent Claim	Jun 2011 · tidal / storm surge
Claims by Event	Severe Storms, Snowmelt, Land/mud Slides, Flooding, Jun 1997 · 3 claims

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	Low lower than 99.1% of the US · lower than 99.5% 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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