550 Cedar Spgs, Sandpoint, ID 83864 Property Records

Bonner County property record for 550 Cedar Spgs, Sandpoint, ID 83864

Property Summary

Property Type	Rural Home
Details	2 bd · 3 ba · 2,751 sqft · built 1990
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,323 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`RP59N01W093900A`

Property Details

APN / Parcel Number

Primary APN	`RP59N01W093900A`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,751 sqft Finished Area
1st Floor Area	2,751 sqft
Basement Area	858 sqft
Finished Basement	858 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Lean-To	480 sqft
Pole Barn	600 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	550 CEDAR SPGS
City	SANDPOINT
State	ID
Zip	83864-9147
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A/f-10
Legal Description	9-59N-1W SWSWNW CPWRS
Legal Range	01W
Legal Township	59N
Legal Section	09
Legal Subdivision	CPWRS
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	2
Census Block	2021
Census Tract	950201

Owner

550 Cedar Spgs, a rural home, is owned and occupied by two individuals who acquired it in February 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	11218 W SOLUNA DR, BOISE, ID 83709-8039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Dec 12, 2022	Deed of Trust, Mortgage · Line of Credit POTLATCH NO 1 FCU
Oct 2, 2020	Deed of Trust, Mortgage · Line of Credit POTLATCH NO 1 FCU
Jan 29, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Apr 15, 2019	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 7, 2025
Transfer Doc	0001043466
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	550 CEDAR SPGS, SANDPOINT, ID 83864-9147
Transaction Type	Mortgage
Record Updated	Dec 20, 2022
Title Company	ALLIANCE TITLE SANDPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001015013
Date	Dec 12, 2022
Instrument	1015013

Lender

Name	POTLATCH NO 1 FCU
Type	Credit Union
Address	LEWISTON, ID 83501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 6, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	550 CEDAR SPGS, SANDPOINT, ID 83864-9147
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	966964
Date	Oct 2, 2020
Instrument	966964

Lender

Name	POTLATCH NO 1 FCU
Type	Credit Union
Address	LEWISTON, ID 83501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 28, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	550 CEDAR SPGS, SANDPOINT, ID 83864-9147
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	SERVICELINK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	952374
Date	Jan 29, 2020
Instrument	952374

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	550 CEDAR SPGS, SANDPOINT, ID 83864-9147
Transaction Type	Mortgage
Record Updated	May 6, 2019
Title Company	ALLIANCE TTL BOISE PRODUCTIO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	937166
Date	Apr 15, 2019
Instrument	937166

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 550 Cedar Spgs was $2,323 with a homeowner's exemption, up 5% 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	$2,323.00 (+5.02%) Homeowner's exemption	$585,783 (-8.55%) Land $179,133 Building $406,650	$585,783 (-8.55%) Land $179,133 Building $406,650
2025	$2,212.00 Homeowner's exemption	$640,585 Land $178,837 Building $461,748	$640,585 Land $178,837 Building $461,748
2023	$2,270.00 Homeowner's exemption	$661,873 Land $184,174 Building $477,699	$661,873 Land $184,174 Building $477,699

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

Flood

FEMA maps place 550 Cedar Spgs 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 550 Cedar Spgs is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 92% of Idaho
Wildfire Likelihood	0.04% 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 7 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

Cell Coverage

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

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