438 Park Ln, Sandpoint, ID 83864 Property Records

Bonner County property record for 438 Park Ln, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,472 sqft · built 1996
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on File
Last Sale	$532,000 (Feb 2022)
Tax Bill	$1,859 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`RP0076700034A0A`

Property Details

APN / Parcel Number

Primary APN	`RP0076700034A0A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,472 sqft Finished Area
1st Floor Area	1,472 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,719 sqft (0.82 acres)
Garage Type	Detached
Garage Area	1,344 sqft
Parking Spaces	5 Parking Spaces
Lean-To	320 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant

Location & Zoning

Street Address	438 PARK LN
City	SANDPOINT
State	ID
Zip	83864-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	35-58N-2W SHADOW MOUNTAIN LOT 34A VALLEY SUBD REPLAT CPWRS
Legal Range	02W
Legal Township	58N
Legal Section	35
Legal Subdivision	CPWRS
Legal Lot Number	34A
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	2
Census Block	2034
Census Tract	950202

Owner

438 Park Ln is owned and occupied by two individuals who bought it in February 2022.

Source: Bonner County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	438 PARK LN, SANDPOINT, ID 83864-9504
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL LENDING
Feb 15, 2022	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Feb 27, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Sep 25, 2020	Warranty Deed, Transfer · Conventional Mortgage BANNER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2022 · Amount on File
Deed Sale	Feb 15, 2022 · Amount on File
Prior Sale	Sep 25, 2020 · Amount on File
Deed Document Number	20221000728
Prior Transfer Date	Jan 13, 2010
Prior Transfer Doc	786448
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Recording Date	Aug 3, 2026
Property Address	438 PARK LN, SANDPOINT, ID 83864-9504
Document Number	0001065310
Instrument Date	Jul 23, 2026
Instrument	20261065310
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 PARK LN, SANDPOINT, ID 83864-9504

Mortgage

Document Number	0001065310,
Date	Aug 3, 2026
Instrument	20261065310

Lender

Name	FIRST FEDERAL LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.49%
Max Rate	-1%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Feb 15, 2022
Property Address	438 PARK LN, SANDPOINT, ID 83864-9504
Document Number	0001000728
Map Reference	MB 7 PG 180
Instrument Date	Feb 15, 2022
Instrument	1000728
Transaction Type	Transfer
Record Updated	Feb 23, 2022
Title Company	TITLE BAY TITLE COMPANY, TITLE ONE A T&E CO

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	438 PARK LN, SANDPOINT, ID 83864-9504

Mortgage

Document Number	0001000729
Date	Feb 15, 2022
Instrument	1000729

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	438 PARK LN, SANDPOINT, ID 83864-9504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	918397
Date	Feb 27, 2018
Instrument	918397

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 12, 2048

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Sep 25, 2020
Property Address	438 PARK LN, SANDPOINT, ID 83864-9504
Document Number	966348
Map Reference	MB7 PG180
Instrument Date	Sep 23, 2020
Instrument	966348
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	FIRST AMERICAN TITLE

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	438 PARK LN, SANDPOINT, ID 83864-9504

Mortgage

Document Number	966349
Date	Sep 25, 2020
Instrument	966349

Lender

Name	BANNER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 438 Park Ln was $1,859 with a homeowner's exemption, up 8.8% from the year before.

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	$1,859.00 (+8.84%) Homeowner's exemption	$566,270 (-) Land $234,000 Building $332,270	$566,270 (-) Land $234,000 Building $332,270
2025	$1,708.00 Homeowner's exemption	$566,270 Land $234,000 Building $332,270	$566,270 Land $234,000 Building $332,270
2023	$1,410.00 Homeowner's exemption	$488,036 Land $234,000 Building $254,036	$488,036 Land $234,000 Building $254,036

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

Flood

FEMA maps place 438 Park Ln in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 438 Park Ln is moderate, ranking above 42% of the US, with a 0.06% annual chance of 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	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	NORTHSIDE WATER USERS ASSN serves 413 people · EPA ID ID1090090
Water Source	Purchased surface water from SANDPOINT PUBLIC WORKS DEPT
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 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
E.L. Internet Northwest Fixed Wireless	30 / 7
Verizon Fixed Wireless	25 / 6

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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