639 Cliffs Above Contest, Sagle, ID 83860 Property Records

Bonner County property record for 639 Cliffs Above Contest, Sagle, ID 83860

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,332 sqft · built 2020
Lot Size	5.2 acres (226,512 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,527 (2026)
Deeds & Mortgages	Jun 2017 Mortgage Aug 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RP033920000010A`

Property Details

APN / Parcel Number

Primary APN	`RP033920000010A`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,332 sqft Finished Area
1st Floor Area	1,332 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Roof Type	Flat
Roof Material	Galvanized Metal
Lot Area	226,512 sqft (5.2 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	639 CLIFFS ABOVE CONTEST
City	SAGLE
State	ID
Zip	83860-4002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	30-57N-1W CLIFFS ABOVE CONTEST LOT 1 POINT CPWRS
Legal Range	01W
Legal Township	57N
Legal Section	30
Legal Subdivision	CPWRS
Legal Lot Number	1
Jurisdiction	BONNER ID
Township / Civil Division	BLANCHARD-GLENGARY
Census Block Group	1
Census Block	1007
Census Tract	950901

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 Individual Names on Record
Mailing Address	639 CLIFFS ABOVE CONTEST, SAGLE, ID 83860-4002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANNER BANK
Aug 9, 2017	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	639 CLIFFS ABOVE CONTEST, SAGLE, ID 83860-4002
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	FIRST AMERICAN TITLE-SANDPOINT, FIRST AMERICAN TITLE SANDPOI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	906996
Date	Jun 21, 2017
Instrument	906996

Lender

Name	BANNER BANK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	639 CLIFFS ABOVE CONTEST, SAGLE, ID 83860-4002
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	FIRST AMERICAN TITLE-SANDPOINT, FIRST AMERICAN TITLE SANDPOI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	909495
Date	Aug 9, 2017
Instrument	909495

Lender

Name	BANNER BANK
Type	Bank
Address	SANDPOINT, ID 83864

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	639 CLIFFS ABOVE CONTEST, SAGLE, ID 83860-4002
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	NORTH ID TITLE COMPANY, NORTH IDAHO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	978998
Date	Mar 22, 2021
Instrument	978998

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

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	$2,527.00 (+7.53%) Homeowner's exemption	$695,090 (-1.17%) Land $319,436 Building $375,654	$695,090 (-1.17%) Land $319,436 Building $375,654
2025	$2,350.00 (+21.38%) Homeowner's exemption	$703,342 (+17.07%) Land $319,436 Building $383,906	$703,342 (+17.07%) Land $319,436 Building $383,906
2023	$1,936.00 Homeowner's exemption	$600,778 Land $319,436 Building $281,342	$600,778 Land $319,436 Building $281,342

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	2 in force
Nearby Flood Claims	2 (2014)
Most Recent Claim	Mar 2014 · rainfall accumulation

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 57% of the US · lower than 82% of Idaho
Wildfire Likelihood	0.07% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MountainLink Fixed Wireless	250 / 50
Kaniksu Internet Fixed Wireless	100 / 30
Intermax Networks Fixed Wireless	100 / 20
Wired or Wireless Fixed Wireless · not low latency	30 / 10
T-Mobile Fixed Wireless	25 / 3

May also be available: Verizon.

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