521 River Lake Dr, Clark Fork, ID 83811 Property Records

Bonner County property record for 521 River Lake Dr, Clark Fork, ID 83811

Property Summary

Property Type	General Agricultural/Rural
Lot Size	0.584 acres (25,439 sqft)
Owner	2 Company Names on Record
Tax Bill	$844 (2026)
Deeds & Mortgages	Oct 2023 Mortgage
Flood Zone	Zone AE (high risk)
APN	`RP003760000160A`

Property Details

APN / Parcel Number

Primary APN	`RP003760000160A`

Exterior

Lot Area	25,439 sqft (0.584 acres)
Lot Dimensions	100 ft deep x 97.6 ft wide

Location & Zoning

Street Address	521 RIVER LAKE DR
City	CLARK FORK
State	ID
Zip	83811-9644
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	Rec
Legal Description	13/14-55N-2E RIVER LAKE ESTATES LOT 16
Legal Range	02E
Legal Township	55N
Legal Section	14
Legal Subdivision	RIVER LAKE ESTATES
Legal Lot Number	16
Jurisdiction	BONNER ID
Township / Civil Division	CLARK FORK
Census Block Group	2
Census Block	2070
Census Tract	950100

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	2 Company Names on Record
Mailing Address	10750 N BARCELONA ST, HAYDEN, ID 83835-1420
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2025
Deed Sale	Aug 22, 2025
Prior Sale	Oct 17, 2023
Deed Document Number	20251051161
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Oct 17, 2023
Property Address	RIVER LK DR, CLARK FORK, ID 83811
Document Number	0001026562
Map Reference	MB 3 PG 24
Instrument Date	Oct 14, 2023
Instrument	1026562
Transaction Type	Transfer
Record Updated	Nov 3, 2023
Title Company	NOT AVAILABLE, FLYING S TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	44 LAVENDER LN, PONDERAY, ID 83852-5107

Mortgage

Document Number	0001026563
Date	Oct 17, 2023
Instrument	1026563

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	8.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	13.3%
Index	5-Year CMT
Margin	5
Max Rate	18.3%

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	$844.00	$340,280 (+41.42%) Land $340,280	$340,280 (+41.42%) Land $340,280
2025	$844.00 (+85.49%)	$240,616 (+103.54%) Land $240,616	$240,616 (+103.54%) Land $240,616
2023	$455.00	$118,218 Land $114,235 Building $3,983	$118,218 Land $114,235 Building $3,983

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	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 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 40% of the US · lower than 89% of Idaho
Wildfire Likelihood	0.06% 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 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Kaniksu Internet Fixed Wireless	100 / 30

May also be available: Intermax Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Lake Dr

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