654 E Valley St S, Oldtown, ID 83822 Property Records

Bonner County property record for 654 E Valley St S, Oldtown, ID 83822

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,444 sqft · built 2022
Lot Size	0.176 acres (7,667 sqft)
Owner	Individual Name on Record
Tax Bill	$189 (2026)
Deeds & Mortgages	Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RP00540003017AA`

Property Details

APN / Parcel Number

Primary APN	`RP00540003017AA`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,444 sqft Finished Area
1st Floor Area	1,444 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,667 sqft (0.176 acres)
Garage Type	Attached
Garage Area	119 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	654 E VALLEY ST S
City	OLDTOWN
State	ID
Zip	83822-9550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25-56N-6W CEDAR PARK 1ST ADDITION BLK 3 LOT 17
Legal Range	06W
Legal Township	56N
Legal Section	25
Legal Subdivision	CEDAR PARK FIRST ADD
Legal Block	3
Legal Lot Number	17
Jurisdiction	BONNER ID
Township / Civil Division	BLANCHARD-GLENGARY
Census Block Group	3
Census Block	3032
Census Tract	950701

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	Individual Name on Record
Mailing Address	654 E VALLEY ST S, OLDTOWN, ID 83822-9550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2024
Deed Sale	Aug 30, 2024
Deed Document Number	20241037624
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Aug 12, 2022
Property Address	654 E VALLEY ST S, OLDTOWN, ID 83822-9550
Document Number	0001009891
Map Reference	MB 1 PG 100
Instrument Date	Feb 7, 2022
Instrument	1009891
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 13, 2023
Title Company	FIRST AMERICAN TITLE-SANDPOINT, FIRST AMERICAN TTL SANDPOINT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 E VALLEY ST S, OLDTOWN, ID 83822-9550

Mortgage

Document Number	0001009892
Date	Aug 12, 2022
Instrument	1009892

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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	West Bonner County School District 83 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$189.00 (+94.85%) Homeowner's exemption	$447,860 (+13.8%) Land $155,061 Building $292,799	$447,860 (+13.8%) Land $155,061 Building $292,799
2025	$97.00 (-87.78%) Homeowner's exemption	$393,545 (+4.83%) Land $100,746 Building $292,799	$393,545 (+4.83%) Land $100,746 Building $292,799
2023	$794.00 Homeowner's exemption	$375,405 Land $95,133 Building $280,272	$375,405 Land $95,133 Building $280,272

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	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 80% of the US · lower than 95% of Idaho
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Wind Wireless Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20