495 Evergreen Rd, Sandpoint, ID 83864 Property Records

Bonner County property record for 495 Evergreen Rd, Sandpoint, ID 83864

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 3,392 sqft · built 2020
Lot Size	14.8 acres (647,868 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,206 (2025)
Deeds & Mortgages	Jul 2026 Transfer Jun 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`RP58N01W040601A`

Property Details

APN / Parcel Number

Primary APN	`RP58N01W040601A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,392 sqft Finished Area
1st Floor Area	3,392 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	647,868 sqft (14.8 acres)
Garage Type	Built-in

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	495 EVERGREEN RD
City	SANDPOINT
State	ID
Zip	83864-9702
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A/f-20
Legal Description	4-58N-1W GOV LOT 2 E OF CO RD LESS S 450 FT
Legal Range	01W
Legal Township	58N
Legal Section	04
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	1
Census Block	1037
Census Tract	950201

Owner

Source: Bonner County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	306 EVERGREEN RD, SANDPOINT, ID 83864-7194
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 5, 2026	Deed of Trust, Mortgage · Construction Mortgage HORIZON CREDIT UNION
Dec 29, 2022	Deed of Trust, Mortgage · Line of Credit HORIZON CU
Feb 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MOUNTAIN WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 16, 2026
Transfer Doc	0001064590
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BONNER ID
Recording Date	Jul 16, 2026
Property Address	495 EVERGREEN RD, SANDPOINT, ID 83864-9702
Document Number	0001064590
Instrument Date	Jul 16, 2026
Instrument	20261064590
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	306 EVERGREEN RD, SANDPOINT, ID 83864-7194

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Recording Date	Jun 5, 2026
Property Address	495 EVERGREEN RD, SANDPOINT, ID 83864-9702
Document Number	0001062696
Instrument Date	May 29, 2026
Instrument	20261062696
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	495 EVERGREEN RD, SANDPOINT, ID 83864-9702

Mortgage

Document Number	0001062696,
Date	Jun 5, 2026
Instrument	20261062696

Lender

Name	HORIZON CREDIT UNION

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	495 EVERGREEN RD, SANDPOINT, ID 83864-9702
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001015518
Date	Dec 29, 2022
Instrument	1015518

Lender

Name	HORIZON CU
Type	Credit Union
Address	BOISE, ID 83704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	Feb 9, 2021
Property Address	495 EVERGREEN RD, SANDPOINT, ID 83864-9702
Document Number	0000976009
Instrument Date	Feb 4, 2021
Instrument	976009
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	TITLEONE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 EVERGREEN RD, SANDPOINT, ID 83864-9702

Mortgage

Document Number	0000976010
Date	Feb 9, 2021
Instrument	976010

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Bonner County assessment roll, as of August 22, 2025

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		$730,969 (+2.08%)	$730,969 (+2.08%)
2025	$2,206.00 (+14.66%) Homeowner's exemption	$716,070 (+10.97%) Land $257,650 Building $458,420	$716,070 (+10.97%) Land $257,650 Building $458,420
2023	$1,924.00 Homeowner's exemption	$645,267 Land $256,897 Building $388,370	$645,267 Land $256,897 Building $388,370

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 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 90% of Idaho
Wildfire Likelihood	0.05% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MountainLink Fixed Wireless	250 / 50
Intermax Networks Fixed Wireless	50 / 5
Wired or Wireless Fixed Wireless · not low latency	30 / 10
E.L. Internet Northwest Fixed Wireless	30 / 7

Cell Coverage

5G (outdoors only) and 4G LTE

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