7318 River Rd, Clark Fork, ID 83811 Property Records

Bonner County property record for 7318 River Rd, Clark Fork, ID 83811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,126 sqft · built 1978
Lot Size	16.1 acres (702,187 sqft)
Owner	2 Individual Names on Record
Last Sale	$344,600 (Feb 2008)
Tax Bill	$860 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RP55N03E332240A`

Property Details

APN / Parcel Number

Primary APN	`RP55N03E332240A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,126 sqft Finished Area
1st Floor Area	3,126 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	A-Frame
Exterior Material	Concrete
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Steel Frame/Truss
Roof Material	Galvanized Metal
Lot Area	702,187 sqft (16.1 acres)
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Wood Furnace
Heating Fuel	Wood

Location & Zoning

Street Address	7318 RIVER RD
City	CLARK FORK
State	ID
Zip	83811-9803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A/f-10
Legal Description	33-55N-3E SENE S OF CO RD
Legal Range	03E
Legal Township	55N
Legal Section	33
Jurisdiction	BONNER ID
Township / Civil Division	CLARK FORK
Census Block Group	2
Census Block	2078
Census Tract	950100

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	PO BOX 496, CLARK FORK, ID 83811-0496
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2017	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Sep 27, 2019	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Dec 13, 2021	Deed of Trust, Mortgage · VA Mortgage HORIZON CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2008 · Amount on Record
Deed Sale	Feb 19, 2008 · Amount on Record
Prior Sale	Jan 5, 2006 · Amount on Record
Deed Document Number	2008746452
Prior Transfer Date	Dec 30, 2005
Prior Transfer Doc	0000695741
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	7318 RIVER RD, CLARK FORK, ID 83811-9803
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000911873
Date	Sep 25, 2017
Instrument	911873

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	7318 RIVER RD, CLARK FORK, ID 83811-9803
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	ALLIANCE TITLE SANDPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000945873
Date	Sep 27, 2019
Instrument	945873

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	7318 RIVER RD, CLARK FORK, ID 83811-9803
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000997362
Date	Dec 13, 2021
Instrument	997362

Lender

Name	HORIZON CU
Type	Credit Union
Address	SPOKANE, WA 99216

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 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	Lake Pend Oreille School District 84 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$860.00 (+14.67%) Homeowner's exemption	$642,625 (-0.64%) Land $296,359 Building $346,266	$642,625 (-0.64%) Land $296,359 Building $346,266
2025	$750.00 (+32.98%) Homeowner's exemption	$646,783 (-9.79%) Land $296,359 Building $350,424	$646,783 (-9.79%) Land $296,359 Building $350,424
2023	$564.00 Homeowner's exemption	$716,971 Land $251,691 Building $465,280	$716,971 Land $251,691 Building $465,280

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 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	Moderate above 52% of the US · lower than 84% of Idaho
Wildfire Likelihood	0.1% 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)
Starlink Satellite	280 / 30

Cell Coverage

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

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