517 N Stephen St, Clark Fork, ID 83811 Property Records

Bonner County property record for 517 N Stephen St, Clark Fork, ID 83811

Property Summary

Property Type	Commercial
Details	3,090 sqft · built 1950
Lot Size	0.692 acres (30,144 sqft)
Owner	2 Individual Names on File
Last Sale	$140,730 (Jul 2009)
Tax Bill	$2,725 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Line of Credit + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`RPC0059026014BA`

Property Details

APN / Parcel Number

Primary APN	`RPC0059026014BA`

Interior

Building Area	3,090 sqft Finished Area
1st Floor Area	3,090 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2005
Lot Area	30,144 sqft (0.692 acres)
Garage Type	Built-in

Location & Zoning

Street Address	517 N STEPHEN ST
City	CLARK FORK
State	ID
Zip	83811-0581
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	2-55N-2E NAGELS AMENDED BLK 26 TAX 4 FOURPLEX
Legal Range	02E
Legal Township	55N
Legal Section	02
Legal Subdivision	NAGELS AMENDED
Legal Block	26
Legal Lot Number	14-17
Jurisdiction	BONNER ID
Township / Civil Division	CLARK FORK
Census Block Group	1
Census Block	1028
Census Tract	950100

Owner

517 N Stephen St, a commercial property, is owned by two individuals who bought it in July 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	4801 BEAR PAW RD, PRIEST RIVER, ID 83856-4004
Owner Type	Individual

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
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit VERISTONE MORTGAGE LLC
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit VERISTONE MORTGAGE LLC
Mar 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage PREMIER MORTGAGE RESOURCES LLC
Apr 26, 2021	Deed of Trust, Mortgage · Commercial Mortgage VERISTONE MORTGAGE LLC
Nov 6, 2017	Warranty Deed, Transfer DAN RUSSEL FAMILY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2009 · Amount on File
Deed Sale	Jul 22, 2009 · Amount on File
Deed Document Number	2009776444
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	517 N STEPHEN ST, CLARK FORK, ID 83811-0581
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	ALLIANCE TITLE SANDPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000981423
Date	Apr 26, 2021
Instrument	981423

Lender

Name	VERISTONE MORTGAGE LLC
Type	Mortgage Company
Address	KIRKLAND, WA 98033

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	517 N STEPHEN ST, CLARK FORK, ID 83811-0581
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	ALLIANCE TITLE SANDPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000981422
Date	Apr 26, 2021
Instrument	981422

Lender

Name	VERISTONE MORTGAGE LLC
Type	Mortgage Company
Address	KIRKLAND, WA 98033

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	517 N STEPHEN ST, CLARK FORK, ID 83811-0581
Transaction Type	Mortgage
Record Updated	Mar 23, 2022
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001002106
Date	Mar 15, 2022
Instrument	1002106

Lender

Name	PREMIER MORTGAGE RESOURCES LLC
Type	Mortgage Company
Address	PORTLAND, OR 97209

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	517 N STEPHEN ST, CLARK FORK, ID 83811-0581
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	ALLIANCE TITLE SANDPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	981420
Date	Apr 26, 2021
Instrument	981420

Lender

Name	VERISTONE MORTGAGE LLC
Type	Mortgage Company
Address	KIRKLAND, WA 98033

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Nov 6, 2017
Property Address	517 N STEPHEN ST, CLARK FORK, ID 83811-0581
Document Number	0000914071
Instrument Date	Oct 31, 2017
Instrument	914071
Transaction Type	Transfer
Record Updated	Oct 12, 2023
Title Company	SANDPOINT TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 305, PONDERAY, ID 83852-0305

Mortgage

Document Number	0000914072
Date	Nov 6, 2017
Instrument	914072

Lender

Name	DAN RUSSEL FAMILY LP
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	120 Months
Due	Nov 6, 2027

Tax Assessment & Valuation

The 2026 property tax bill for 517 N Stephen St was $2,725.

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

Property Jurisdictions

Type	Name
State	Idaho
County	Bonner County
Municipality	Clark Fork 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	$2,725.00	$399,622 (-) Land $156,448 Building $243,174	$399,622 (-) Land $156,448 Building $243,174
2025	$2,725.00	$399,622 Land $156,448 Building $243,174	$399,622 Land $156,448 Building $243,174
2023	$2,507.00	$352,717 Land $120,576 Building $232,141	$352,717 Land $120,576 Building $232,141

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

Flood

FEMA maps place 517 N Stephen St in Zone X, where a levee reduces flood risk.

Source: FEMA National Flood Hazard Layer, effective May 28, 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 517 N Stephen St 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.

Drinking Water

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

Water System	CITY OF CLARK FORK serves 730 people · EPA ID ID1090018
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Kaniksu Internet Fiber · Fixed Wireless	2,500 / 2,500

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Stephen St

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