Bonner County property record for 445 W Beach Ct, Dover, ID 83825
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 3,966 sqft · built 2019 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,567 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage Oct 2019 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | RPD37672A20040A |
| Primary APN | RPD37672A20040A |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,966 sqft Finished Area |
| 1st Floor Area | 3,966 sqft |
| Great Room | Great Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 25,700 sqft (0.59 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 445 W BEACH CT |
|---|---|
| City | DOVER |
| State | ID |
| Zip | 83825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 31-57N-2W DOVER BAY PUD REPLAT WEST BEACH COURT-EAST BLK 2A2 LOT 4 |
| Legal Range | 02W |
| Legal Township | 57N |
| Legal Section | 31 |
| Legal Subdivision | DOVER BAY PUD |
| Legal Block | 2A2 |
| Legal Lot Number | 4 |
| Jurisdiction | BONNER ID |
| Township / Civil Division | SANDPOINT |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 950402 |
Source: Bonner County records · APN RPD37672A20040A
Assessment roll updated August 22, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | PO BOX 68, DOVER, ID 83825-0068 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2018 | Deed of Trust, Mortgage · ARM US BANK NA |
| Oct 10, 2019 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Feb 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Feb 04, 2019 | Deed of Trust, Mortgage · ARM US BANK NA |
| Oct 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jun 28, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 28, 2017 |
| Deed Sale | Jun 28, 2017 |
| Deed Document Number | 2017907391 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Property Address | 445 W BEACH CT, DOVER, ID 83825 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Title Company | NORTH ID TITLE COMPANY, NORTH IDAHO TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000928648 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 928648 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Sep 01, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9% |
| Index | 1-Year LIBOR |
| Max Rate | 9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Property Address | 445 W BEACH CT, DOVER, ID 83825 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Name | Verified Name |
|---|
| Document Number | 0000946714 |
|---|---|
| Date | Oct 10, 2019 |
| Instrument | 946714 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 02, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Property Address | 445 W BEACH CT, DOVER, ID 83825 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Title Company | TITLEONE |
| Name | Verified Name |
|---|
| Document Number | 0000975575 |
|---|---|
| Date | Feb 02, 2021 |
| Instrument | 975575 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Property Address | 445 W BEACH CT, DOVER, ID 83825 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Title Company | NORTH ID TITLE COMPANY SANDPOINT, NORTH IDAHO TITLE CO SANDPOI |
| Name | Verified Name |
|---|
| Document Number | 0000934158 |
|---|---|
| Date | Feb 04, 2019 |
| Instrument | 934158 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Oct 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Oct 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Property Address | 445 W BEACH CT, DOVER, ID 83825 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000946713 |
|---|---|
| Date | Oct 10, 2019 |
| Instrument | 946713 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BONNER ID |
| Recording Date | Jun 28, 2017 |
| Property Address | 445 W BEACH CT, DOVER, ID 83825 |
| Document Number | 0000907391 |
| Map Reference | MB 12 PG 47 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 907391 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 57 CROOKED LN, SANDPOINT, ID 83864-6296 |
Source: Bonner County records · Assessment roll updated August 22, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Idaho |
| County | Bonner County |
| Municipality | Dover City |
| Unified School District | Lake Pend Oreille School District 84 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,095,954 (+8.77%) | $2,095,954 (+8.77%) | |
| 2025 | $7,567.00 (+23.6%) Homeowner's exemption | $1,927,040 (+18.13%) Land $731,360 Building $1,195,680 | $1,927,040 (+18.13%) Land $731,360 Building $1,195,680 |
| 2023 | $6,122.00 Homeowner's exemption | $1,631,325 Land $343,936 Building $1,287,389 | $1,631,325 Land $343,936 Building $1,287,389 |
Source: FEMA National Flood Hazard Layer, Bonner County (16017C), as of May 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 160179504021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 8 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 95% of Idaho |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Northwest Fiber Fiber | 6,000 / 6,000 |
| Ting Fiber Fiber | 1,000 / 1,000 |
| Vyve Broadband Cable | 1,000 / 50 |
| Mann Holdings Fixed Wireless | 250 / 50 |
May also be available: Kaniksu.
Based on FCC filings for 177 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system ID1090193, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF DOVER serves 865 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | 14 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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