Bonner County property record for 435 E Cobb St S St, Oldtown, ID 83822
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,450 sqft · built 2023 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,615 (2026) |
| Deeds & Mortgages | Oct 2026 Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | RP000490070080A |
| Primary APN | RP000490070080A |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 3 Stories |
| Building Area | 1,450 sqft Finished Area |
| 1st Floor Area | 2,175 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 435 E COBB ST S |
|---|---|
| City | OLDTOWN |
| State | ID |
| Zip | 83822-5013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S |
| Legal Description | 25-56N-6W CEDAR PARK ADD TO BLK 7 LOT 8 OT |
| Legal Range | 06W |
| Legal Township | 56N |
| Legal Section | 25 |
| Legal Subdivision | CEDAR PARK ADD TO |
| Legal Block | 7 |
| Legal Lot Number | 8 |
| Jurisdiction | BONNER ID |
| Township / Civil Division | BLANCHARD-GLENGARY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 950701 |
435 E Cobb St S St, a single family home, is owned by two individuals.
Source: Bonner County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3558 E NETTLETON GULCH RD, COEUR D ALENE, ID 83815-9411 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage KIND LENDING LLC |
| Mar 25, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage BRIAN MCCARTHY |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Recording Date | Oct 9, 2026 |
| Property Address | 435 E COBB ST S, OLDTOWN, ID 83822-5013 |
| Document Number | 0001068224 |
| Instrument Date | Nov 27, 2024 |
| Instrument | 20261068224 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3558 E NETTLETON GULCH RD, COEUR D ALENE, ID 83815-9411 |
| Document Number | 0001068224, |
|---|---|
| Date | Oct 9, 2026 |
| Instrument | 20261068224 |
| Name | KIND LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 338 Months |
| Due | Dec 1, 2054 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BONNER ID |
| Recording Date | Mar 25, 2021 |
| Property Address | 435 E COBB ST S ST, OLDTOWN, ID 83822 |
| Document Number | 0000979230 |
| Map Reference | MB 1 PG 74 |
| Instrument Date | Mar 15, 2021 |
| Instrument | 979230 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Title Company | ALLIANCE TITLE SANDPOINT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12171 HIGHWAY 211, USK, WA 99180-8727 |
| Name | Verified Name |
|---|---|
| Address | 3558 E NETTLETON GULCH RD, COEUR D ALENE, ID 83815-9411 |
| Document Number | 0000979231 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 979231 |
| Name | BRIAN MCCARTHY |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 435 E Cobb St S St was $1,615.
Source: Bonner County assessment roll, as of October 15, 2026
| Type | Name |
|---|---|
| State | Idaho |
| County | Bonner County |
| Unified School District | West Bonner County School District 83 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,615.00 | $430,223 (+2.45%) Land $166,600 Building $263,623 | $430,223 (+2.45%) Land $166,600 Building $263,623 |
| 2025 | $1,615.00 | $419,940 Land $156,317 Building $263,623 | $419,940 Land $156,317 Building $263,623 |
| 2023 | $293.00 | $96,957 Land $96,957 | $96,957 Land $96,957 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 435 E Cobb St S St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 28, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 435 E Cobb St S St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 92% of Idaho |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 137 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wind Wireless Fiber · Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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