590 E Silver Torch St, Meridian, ID 83646 Property Records

Ada County property record for 590 E Silver Torch St, Meridian, ID 83646

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,400 sqft · built 2006
Lot Size	0.304 acres (13,242 sqft)
Owner	2 Individual Names on Record
Last Sale	$407,030 (Mar 2023)
Tax Bill	$2,775 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Mar 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R7689820540`

Property Details

APN / Parcel Number

Primary APN	`R7689820540`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,400 sqft Living Area
Gross Area	4,540 sqft
1st Floor Area	1,975 sqft
Attic	Attic
Attic Area	1,425 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	13,242 sqft (0.304 acres)
Garage Type	Attached
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	166 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	590 E SILVER TORCH ST
City	MERIDIAN
State	ID
Zip	83646-7665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 38 BLK 02 SAGUARO CANYON SUB NO 02
Legal Range	01E
Legal Township	04N
Legal Section	30
Legal Subdivision	SAGUARO CANYON SUB NO 02
Legal Block	02
Legal Lot Number	38
Jurisdiction	ADA ID
Township / Civil Division	BOISE CITY
Census Block Group	1
Census Block	1015
Census Tract	10356

Owner

Source: Ada County records, as of August 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	590 E SILVER TORCH ST, MERIDIAN, ID 83646-7665
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2023	Deed of Trust, Mortgage · Line of Credit ZB NA
Mar 21, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage ZB NA
Dec 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Nov 10, 2020	Deed of Trust, Mortgage · Reverse Mortgage ZB NA
Mar 23, 2022	Deed of Trust, Mortgage · Line of Credit ZB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2023 · Amount on Record
Deed Sale	Mar 21, 2023 · Amount on Record
Deed Document Number	202316236
Prior Transfer Date	Mar 9, 2023
Prior Transfer Doc	0000016236
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	590 E SILVER TORCH ST, MERIDIAN, ID 83646-7665
Transaction Type	Mortgage
Record Updated	Mar 31, 2023
Title Company	NOT AVAILABLE, VENTURE TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016235
Date	Mar 21, 2023
Instrument	2023-016235

Lender

Name	ZB NA
Type	Bank
Address	SALT LAKE CITY, UT 84130

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ADA ID
Recording Date	Mar 21, 2023
Property Address	590 E SILVER TORCH ST, MERIDIAN, ID 83646-7665
Document Number	0000016236
Map Reference	DOC 106019380
Instrument Date	Mar 16, 2023
Instrument	2023-016236
Transaction Type	Transfer
Record Updated	Mar 31, 2023
Title Company	VENTURE TITLE, VENTURE TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	590 E SILVER TORCH ST, MERIDIAN, ID 83646-7665

Mortgage

Document Number	0000016237
Date	Mar 21, 2023
Instrument	2023-016237

Lender

Name	ZB NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	12-Month MTA
Max Rate	10.2%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	590 E SILVER TORCH ST, MERIDIAN, ID 83646-7665
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	TITLEONE BOISE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000115287
Date	Dec 4, 2017
Instrument	2017-115287

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2038

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	590 E SILVER TORCH ST, MERIDIAN, ID 83646-7665
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	TITLEONE BOISE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036049
Date	Mar 30, 2020
Instrument	2020-036049

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	590 E SILVER TORCH ST, MERIDIAN, ID 83646-7665
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000153373
Date	Nov 10, 2020
Instrument	2020-153373

Lender

Name	ZB NA
Type	Bank
Address	BOISE, ID 83713

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	590 E SILVER TORCH ST, MERIDIAN, ID 83646-7665
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	590 E SILVER TORCH ST, MERIDIAN, ID 83646-7665

Mortgage

Document Number	0000028720
Date	Mar 23, 2022
Instrument	2022-028720

Lender

Name	ZB NA
Type	Bank
Address	MERIDIAN, ID 83646

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Ada County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Idaho
County	Ada County
Municipality	Meridian City
Unified School District	Meridian Joint School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$754,800 (+1.88%)	$754,800 (+1.88%)
2025	$2,775.00 (-3.28%) Homeowner's exemption	$740,900 (+11.73%)	$740,900 (+11.73%)
2024	$2,869.00 (-18.52%)
2023		$663,100 Land $250,500 Building $412,600	$663,100 Land $250,500 Building $412,600
2022	$3,521.00

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 October 4, 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 8 (10% 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 96% of the US · lower than 98.3% of Idaho
Wildfire Likelihood	0.01% 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	MERIDIAN WATER DEPT private · serves 152,070 people · EPA ID ID4010097
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	4 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	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 578 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Sparklight Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Anthem Broadband, CenturyLink, Verizon.

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