488988 Hwy 95, Sandpoint, ID 83864 Property Records

Bonner County property record for 488988 Hwy 95, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,248 sqft · built 2019
Lot Size	10.8 acres (470,535 sqft)
Owner	Individual Name on File
Last Sale	$487,830 (Sep 2026)
Tax Bill	$2,073 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`RP59N01W168001A`

Property Details

APN / Parcel Number

Primary APN	`RP59N01W168001A`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Finished Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	470,535 sqft (10.8 acres)
Garage Type	Attached
Garage Area	1,536 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant

Location & Zoning

Street Address	488988 HIGHWAY 95
City	SANDPOINT
State	ID
Zip	83864-5341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A/f-10
Legal Description	16-59N-1W TAX 12 CPWRS
Legal Range	01W
Legal Township	59N
Legal Section	16
Legal Subdivision	CPWRS
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	2
Census Block	2017
Census Tract	950201

Owner

488988 Hwy 95 is owned and occupied by an individual who bought it in September 2026.

Source: Bonner County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	105 VERMEER DR, 2, PONDERAY, ID 83852-9802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Sep 28, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 19, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 25, 2022	Warranty Deed, Transfer · Line of Credit MOUNTAIN WEST BANK
Aug 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jan 10, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage STATE FARM BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2026 · Amount on File
Deed Sale	Sep 28, 2026 · Amount on File
Prior Sale	Jul 25, 2022 · Amount on File
Deed Document Number	20261067643
Prior Transfer Date	Feb 6, 2020
Prior Transfer Doc	0000953038
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Sep 28, 2026
Property Address	488988 HIGHWAY 95, SANDPOINT, ID 83864-5341
Document Number	0001067643
Instrument Date	Sep 22, 2026
Instrument	20261067643
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	TITLEONE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001067643,
Date	Sep 28, 2026
Instrument	20261067643

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	488988 HIGHWAY 95, SANDPOINT, ID 83864-5341
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000963549
Date	Aug 20, 2020
Instrument	963549

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2030

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	488988 HIGHWAY 95, SANDPOINT, ID 83864-5341
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000980959
Date	Apr 19, 2021
Instrument	980959

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 10, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Jul 25, 2022
Property Address	488988 HIGHWAY 95, SANDPOINT, ID 83864-5341
Document Number	0001008816
Instrument Date	Jul 20, 2022
Instrument	1008816
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	FIRST AMERICAN TITLE-SANDPOINT, FIRST AMERICAN TTL SANDPOINT

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	488988 HIGHWAY 95, SANDPOINT, ID 83864-5341

Mortgage

Document Number	0001008817
Date	Jul 25, 2022
Instrument	1008817

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	Aug 10, 2021
Property Address	488988 HIGHWAY 95, SANDPOINT, ID 83864-5341
Document Number	0000989140
Instrument Date	Jul 28, 2021
Instrument	989140
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	AMROCK INC, AMROCK LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	488988 HIGHWAY 95, 488988, SANDPOINT, ID 83864-5341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488988 HIGHWAY 95, SANDPOINT, ID 83864-5341

Mortgage

Document Number	0000989141
Date	Aug 10, 2021
Instrument	989141

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2036

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	Jan 10, 2020
Property Address	488988 HIGHWAY 95, SANDPOINT, ID 83864-5341
Document Number	0000951590
Instrument Date	Dec 23, 2019
Instrument	951590
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	PIONEER TITLE KOOTENAI COUNTY, PIONEER TITLE BONNIER COUNTY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	488988 HIGHWAY 95, SANDPOINT, ID 83864-5341

Mortgage

Document Number	0000951591
Date	Jan 10, 2020
Instrument	951591

Lender

Name	STATE FARM BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 488988 Hwy 95 was $2,073 with a homeowner's exemption, up 5% 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	$2,073.00 (+5.02%) Homeowner's exemption	$653,463 (+4.52%) Land $335,231 Building $318,232	$653,463 (+4.52%) Land $335,231 Building $318,232
2025	$1,974.00 Homeowner's exemption	$625,233 Land $335,231 Building $290,002	$625,233 Land $335,231 Building $290,002
2023	$1,930.00 Homeowner's exemption	$608,164 Land $316,028 Building $292,136	$608,164 Land $316,028 Building $292,136

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

Flood

FEMA maps place 488988 Hwy 95 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	2 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 488988 Hwy 95 is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 95% of Idaho
Wildfire Likelihood	0.03% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
E.L. Internet Northwest Fixed Wireless	400 / 100
MountainLink Fixed Wireless	250 / 50

Cell Coverage

4G LTE (outdoors only), no 5G reported

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