518 Thunder Aly, Sandpoint, ID 83864 Property Records

Bonner County property record for 518 Thunder Aly, Sandpoint, ID 83864

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,448 sqft · built 2017
Lot Size	48 acres (2,090,880 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Nov 2020)
Tax Bill	$2,316 (2026)
Deeds & Mortgages	Mar 2017 Construction Loan Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RP58N01E097650A`

Property Details

APN / Parcel Number

Primary APN	`RP58N01E097650A`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,448 sqft Finished Area
1st Floor Area	2,868 sqft
Attic	Attic
Attic Area	420 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,090,880 sqft (48 acres)
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	518 THUNDER ALY
City	SANDPOINT
State	ID
Zip	83864-5706
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A/f-20
Legal Description	9/10-58N-1E TAX 1
Legal Range	01E
Legal Township	58N
Legal Section	10
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	1
Census Block	1014
Census Tract	950201

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	518 THUNDER ALY, SANDPOINT, ID 83864-5706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2017	Deed of Trust, Mortgage · Construction Mortgage ZB NA
Nov 25, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MOUNTAIN WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2020 · Amount on Record
Deed Sale	Nov 25, 2020 · Amount on Record
Prior Sale	Oct 31, 2014
Deed Document Number	2020970900
Prior Transfer Date	Nov 20, 2020
Prior Transfer Doc	970900
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	518 THUNDER ALY, SANDPOINT, ID 83864-5706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLIANCE TITLE SANDPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	902309
Date	Mar 1, 2017
Instrument	902309

Lender

Name	ZB NA
Type	Bank
Address	SALT LAKE CITY, UT 84133

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	6.62%
Index	1-Year LIBOR
Max Rate	10.6%

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	Nov 25, 2020
Property Address	518 THUNDER ALY, SANDPOINT, ID 83864-5706
Document Number	970900
Instrument Date	Nov 20, 2020
Instrument	970900
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	TITLE ONE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 THUNDER ALY, SANDPOINT, ID 83864-5706

Mortgage

Document Number	970901
Date	Nov 25, 2020
Instrument	970901

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

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	$2,316.00 (+8.48%) Homeowner's exemption	$689,021 (+0.25%) Land $143,302 Building $545,719	$689,021 (+0.25%) Land $143,302 Building $545,719
2025	$2,135.00 (+6.59%) Homeowner's exemption	$687,282 (+4.01%) Land $141,563 Building $545,719	$687,282 (+4.01%) Land $141,563 Building $545,719
2023	$2,003.00 Homeowner's exemption	$660,781 Land $128,041 Building $532,740	$660,781 Land $128,041 Building $532,740

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	Moderate above 52% of the US · lower than 84% of Idaho
Wildfire Likelihood	0.1% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MountainLink Fixed Wireless	250 / 50
Wired or Wireless Fixed Wireless · not low latency	30 / 10

Cell Coverage

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

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