403 High Cir Rd, Sandpoint, ID 83864 Property Records

Bonner County property record for 403 High Cir Rd, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,756 sqft · built 2006
Lot Size	5.25 acres (228,690 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Oct 2020)
Tax Bill	$3,019 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RP005240000450A`

Property Details

APN / Parcel Number

Primary APN	`RP005240000450A`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,086 sqft Finished Area
1st Floor Area	3,468 sqft
Great Room	Great Room
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	228,690 sqft (5.25 acres)
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Pole Barn	1,008 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	403 HIGH CIRCLE RD
City	SANDPOINT
State	ID
Zip	83864-6304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	20/29-57N-3W WRENCOE HEIGHTS LOT 45 #3 CPWRS
Legal Range	03W
Legal Township	57N
Legal Section	29
Legal Subdivision	CPWRS
Legal Lot Number	45
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	3
Census Block	3009
Census Tract	950402

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	403 HIGH CIRCLE RD, SANDPOINT, ID 83864-6304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Deed of Trust, Mortgage · Line of Credit HORIZON CU
Oct 23, 2020	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Prior Sale	May 15, 2009 · Amount on Record
Deed Document Number	2020968394
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	403 HIGH CIRCLE RD, SANDPOINT, ID 83864-6304
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001012110
Date	Sep 28, 2022
Instrument	1012110

Lender

Name	HORIZON CU
Type	Credit Union
Address	SPOKANE, WA 99215

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Oct 23, 2020
Property Address	403 HIGH CIRCLE RD, SANDPOINT, ID 83864-6304
Document Number	968394
Map Reference	MB 3 PG 121
Instrument Date	Oct 16, 2020
Instrument	968394
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	NORTH ID TITLE COMPANY, NORTH IDAHO TITLE COMPANY

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	669 PAPERMILL RD, LINCOLN, CA 95648-7636

Mortgage

Document Number	968395
Date	Oct 23, 2020
Instrument	968395

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

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

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	$3,019.00 (+8.56%) Homeowner's exemption	$809,662 (-3.33%) Land $212,763 Building $596,899	$809,662 (-3.33%) Land $212,763 Building $596,899
2025	$2,781.00 (-18.83%) Homeowner's exemption	$837,544 (-17.59%) Land $184,099 Building $653,445	$837,544 (-17.59%) Land $184,099 Building $653,445
2023	$3,426.00 Homeowner's exemption	$1,016,267 Land $303,353 Building $712,914	$1,016,267 Land $303,353 Building $712,914

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	8 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	Low lower than 62% of the US · lower than 90% of Idaho
Wildfire Likelihood	0.04% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MountainLink Fixed Wireless	250 / 50
Wired or Wireless Fixed Wireless · not low latency	30 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on High Cir Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures