645 E Cougar Dr, Meridian, ID 83646 Property Records

Ada County property record for 645 E Cougar Dr, Meridian, ID 83646

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,928 sqft · built 1995
Lot Size	0.197 acres (8,581 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,100 (Feb 2016)
Tax Bill	$1,519 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R2904330740`

Property Details

APN / Parcel Number

Primary APN	`R2904330740`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,928 sqft Living Area
Gross Area	2,952 sqft
1st Floor Area	500 sqft
Upper Floors Area	735 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Tri-Level
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	8,581 sqft (0.197 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	645 E COUGAR DR
City	MERIDIAN
State	ID
Zip	83646-4419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	LOT 6 BLK 14 FOTHERGILL POINTE SUB #2
Legal Range	01E
Legal Township	03N
Legal Section	06
Legal Subdivision	FOTHERGILL POINTE SUB NO 02
Legal Block	14
Legal Lot Number	6
Jurisdiction	ADA ID
Township / Civil Division	BOISE CITY
Census Block Group	3
Census Block	3019
Census Tract	10367

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	645 E COUGAR DR, MERIDIAN, ID 83646-4419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Feb 11, 2019	Deed of Trust, Mortgage · Line of Credit IDAHO CTRL CU
Jun 21, 2017	Deed of Trust, Mortgage · Line of Credit IDAHO CTRL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2016 · Amount on Record
Deed Sale	Feb 3, 2016 · Amount on Record
Prior Sale	Oct 22, 2012 · Amount on Record
Deed Document Number	20169443
Prior Transfer Date	Oct 17, 2012
Prior Transfer Doc	0112109644
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	645 E COUGAR DR, MERIDIAN, ID 83646-4419
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	ALLIANCE TTL BOISE PRODUCTIO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028297
Date	Feb 22, 2021
Instrument	2021-028297

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	645 E COUGAR DR, MERIDIAN, ID 83646-4419
Document Number	0000012361
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Feb 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 E COUGAR DR MERIDIAN ID 836464419, MERIDIAN, ID 83646-4419

Mortgage

Document Number	0000012361
Date	Feb 15, 2019
Instrument	12361

Lender

Name	IDAHO CTRL CU
Type	Credit Union
Address	POCATELLO, ID 83206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 14, 2029

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADA ID
Property Address	645 E COUGAR DR, MERIDIAN, ID 83646-4419
Document Number	0000058077
Instrument Date	Jun 21, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017
Title Company	PIONEER TITLE COMPANY/ADA, PIONEER TITLE CO/ADA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 E COUGAR DR MERIDIAN ID 836464419, MERIDIAN, ID 83646-4419

Mortgage

Document Number	0000058077
Date	Jun 26, 2017
Instrument	58077

Lender

Name	IDAHO CTRL CU
Type	Credit Union
Address	POCATELLO, ID 83206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 25, 2037

Interest

Rate Type	Adjustable Rate

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		$446,800 (-3.31%)	$446,800 (-3.31%)
2025	$1,519.00 (-4.47%) Homeowner's exemption	$462,100 (+10.79%)	$462,100 (+10.79%)
2024	$1,590.00 (-27.79%)
2023		$417,100 Land $168,000 Building $249,100	$417,100 Land $168,000 Building $249,100
2022	$2,202.00

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	Not rated no burnable land within ember reach

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 624 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fatbeam Fiber	5,000 / 5,000
Anthem Broadband Fixed Wireless	1,000 / 1,000
Sparklight Cable	1,000 / 50
CenturyLink DSL	140 / 20

May also be available: Verizon.

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