490 W Beach Ct, Dover, ID 83825 Property Records

Bonner County property record for 490 W Beach Ct, Dover, ID 83825

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,093 sqft · built 2019
Lot Size	0.55 acres (23,958 sqft)
Owner	Company Name on Record
Last Sale	$170,000 (Aug 2017)
Tax Bill	$4,691 (2026)
Deeds & Mortgages	Aug 2018 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`RPD376701B0070A`

Property Details

APN / Parcel Number

Primary APN	`RPD376701B0070A`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,093 sqft Finished Area
1st Floor Area	2,093 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Mixed
Garage Area	1,424 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant

Location & Zoning

Street Address	490 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-WEST BLK 1B LOT 7
Legal Range	02W
Legal Township	57N
Legal Section	31
Legal Subdivision	DOVER BAY PUD
Legal Block	1B
Legal Lot Number	7
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	1
Census Block	1043
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	Company Name on Record
Mailing Address	PO BOX 60, DOVER, ID 83825-0060
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2018	Deed of Trust, Mortgage · ARM MOUNTAIN WEST BANK
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST BANK
Jun 5, 2020	Deed of Trust, Mortgage · Line of Credit MOUNTAIN WEST BANK
Aug 4, 2017	Warranty Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2017 · Amount on Record
Deed Sale	Aug 4, 2017 · Amount on Record
Deed Document Number	2017909262
Last Transfer Date	Sep 11, 2024
Transfer Doc	0001038181
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	490 W BEACH CT, DOVER, ID 83825
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000925470
Date	Aug 1, 2018
Instrument	925470

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	COEUR D ALENE, ID 83814

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.5%
Index	1-Year CMT
Margin	3
Max Rate	9.5%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	490 W BEACH CT, DOVER, ID 83825
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000957777
Date	May 26, 2020
Instrument	957777

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	COEUR D ALENE, ID 83814

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	490 W BEACH CT, DOVER, ID 83825
Transaction Type	Mortgage
Record Updated	Oct 12, 2023
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000958534
Date	Jun 5, 2020
Instrument	958534

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Aug 4, 2017
Property Address	490 W BEACH CT, DOVER, ID 83825
Document Number	0000909262
Map Reference	MB 12 PG 48
Instrument Date	Aug 3, 2017
Instrument	909262
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2706 LANE PARK DR, SACRAMENTO, CA 95818-2926

Mortgage

Document Number	0000909263
Date	Aug 4, 2017
Instrument	909263

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Sep 1, 2020
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	11.3%

Tax Assessment & Valuation

Source: Bonner County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	Idaho
County	Bonner County
Municipality	Dover City
Unified School District	Lake Pend Oreille School District 84 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,691.00 (+9.76%) Homeowner's exemption	$1,239,864 (+10.89%) Land $403,044 Building $836,820	$1,239,864 (+10.89%) Land $403,044 Building $836,820
2025	$4,274.00 (+16.05%) Homeowner's exemption	$1,118,063 (+11.86%) Land $369,423 Building $748,640	$1,118,063 (+11.86%) Land $369,423 Building $748,640
2023	$3,683.00 Homeowner's exemption	$999,550 Land $228,000 Building $771,550	$999,550 Land $228,000 Building $771,550

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 80% of the US · lower than 95% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF DOVER serves 865 people · EPA ID ID1090193
Water Source	Surface water
Last State Inspection	May 2023
Lead	14 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ting Fiber	1,000 / 1,000
Vyve Broadband Cable	1,000 / 50
MountainLink Fixed Wireless	250 / 50

May also be available: Ziply Fiber.

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