490186 Hwy 95, Sandpoint, ID 83864 Property Records

Bonner County property record for 490186 Hwy 95, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 720 sqft · built 1910
Lot Size	2 acres (87,120 sqft)
Owner	Trust Name on File
Tax Bill	$1,150 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Feb 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RP59N01W092300A`

Property Details

APN / Parcel Number

Primary APN	`RP59N01W092300A`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	720 sqft Finished Area
1st Floor Area	1,128 sqft
Basement Area	408 sqft
Finished Basement	408 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2006
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	87,120 sqft (2 acres)
Garage Type	Detached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Pole Barn	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Wood Furnace
Heating Fuel	Wood

Location & Zoning

Street Address	490186 HIGHWAY 95
City	SANDPOINT
State	ID
Zip	83864-8134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A/f-10
Legal Description	9-59N-1W TAX 1 ELMIRA SCHOOL
Legal Range	01W
Legal Township	59N
Legal Section	09
Legal Subdivision	ELMIRA
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	2
Census Block	2038
Census Tract	950201

Owner

490186 Hwy 95 is owner-occupied and held in a trust since February 2024.

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

Owner of Record	Trust Name on File
Mailing Address	490184 HIGHWAY 95, SANDPOINT, ID 83864-8134
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK NATIONAL ASSOCIATION
Feb 26, 2024	Intrafamily Transfer, Transfer
Oct 3, 2017	Deed of Trust, Mortgage MADELINE GOOLD HILL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2017
Deed Sale	Sep 21, 2017
Prior Sale	Dec 27, 2013
Deed Document Number	2017911745
Last Transfer Date	Feb 29, 2024
Transfer Doc	0001030798
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Recording Date	Sep 30, 2026
Property Address	490186 HIGHWAY 95, SANDPOINT, ID 83864-8134
Document Number	0001067812
Instrument Date	Aug 5, 2026
Instrument	20261067812
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	SOLIDIFI TITLE, SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	490186 HIGHWAY 95, SANDPOINT, ID 83864-8134

Mortgage

Document Number	0001067812,
Date	Sep 30, 2026
Instrument	20261067812

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

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

Interest

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

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	Feb 26, 2024
Property Address	490186 HIGHWAY 95, SANDPOINT, ID 83864
Document Number	0001030651
Instrument Date	Feb 26, 2024
Instrument	1030651
Transaction Type	Transfer
Record Updated	Mar 4, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490184 HIGHWAY 95, SANDPOINT, ID 83864-8134

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	490186 HIGHWAY 95, SANDPOINT, ID 83864
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COMMUNITY TITLE, COMMUNITY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	912377
Date	Oct 3, 2017
Instrument	912377

Lender

Name	MADELINE GOOLD HILL
Type	Private Party
Address	1827 S CLOVERDALE AVE, 90119

Agreement

Amount	Amount on Record
Term	5 Months
Due	Mar 1, 2018

Tax Assessment & Valuation

The 2026 property tax bill for 490186 Hwy 95 was $1,150 with a homeowner's exemption, up 3.6% 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	$1,150.00 (+3.6%) Homeowner's exemption	$365,029 (-0.03%) Land $154,921 Building $210,108	$365,029 (-0.03%) Land $154,921 Building $210,108
2025	$1,110.00 Homeowner's exemption	$365,129 Land $154,921 Building $210,208	$365,129 Land $154,921 Building $210,208
2023	$1,370.00	$287,968 Land $160,386 Building $127,582	$287,968 Land $160,386 Building $127,582

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

Flood

FEMA maps place 490186 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 490186 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 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
Wired or Wireless Fixed Wireless · not low latency	30 / 10

May also be available: Intermax Networks.

Cell Coverage

5G and 4G LTE (outdoors only)

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