Bonner County property record for 74 Reserve Ct, Sandpoint, ID 83864
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 1 ba · 3,396 sqft · built 2022 |
| Lot Size | 14.1 acres (615,503 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,521 (2026) |
| Deeds & Mortgages | Oct 2021 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | RP044230000040A |
| Primary APN | RP044230000040A |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,396 sqft Finished Area |
| 1st Floor Area | 3,396 sqft |
| Great Room | Great Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Roof Type | Gable |
| Roof Material | Galvanized Metal |
| Lot Area | 615,503 sqft (14.1 acres) |
| Garage Type | Attached |
| Garage Area | 448 sqft |
| Parking Spaces | 2 Parking Spaces |
| Lean-To | 240 sqft |
| Pole Barn | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Radiant |
| Street Address | 74 RESERVE CT |
|---|---|
| City | SANDPOINT |
| State | ID |
| Zip | 83864-5379 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | A/f-10 |
| Legal Description | 22-58N-1W RESERVE AT SELLE VALLEY AMENDED LOT 4 |
| Legal Range | 01W |
| Legal Township | 58N |
| Legal Section | 22 |
| Legal Subdivision | SELLE VALLEY |
| Legal Lot Number | 4 |
| Jurisdiction | BONNER ID |
| Township / Civil Division | SANDPOINT |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 950202 |
Source: Bonner County records, as of October 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 74, PONDERAY, ID 83852-0074 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2013 |
| Deed Sale | May 9, 2013 |
| Deed Document Number | 2013844049 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Property Address | 74 RESERVE CT, SANDPOINT, ID 83864-5379 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Title Company | NORTH ID TITLE COMPANY-COEUR D'ALENE, NORTH ID TTL CO COEUR D ALEN |
| Name | Verified Name |
|---|
| Document Number | 0000993764 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 993764 |
| Name | MOUNTAIN WEST BANK |
|---|---|
| Type | Bank |
| Address | COEUR D ALENE, ID 83814 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.12% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.12% |
Source: Bonner County assessment roll, as of October 15, 2026
| Type | Name |
|---|---|
| State | Idaho |
| County | Bonner County |
| Unified School District | Lake Pend Oreille School District 84 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,521.00 (+9.41%) Homeowner's exemption | $1,302,197 (+0.38%) Land $213,017 Building $1,089,180 | $1,302,197 (+0.38%) Land $213,017 Building $1,089,180 |
| 2025 | $4,132.00 (+9,738.1%) Homeowner's exemption | $1,297,239 (+27.48%) Land $212,649 Building $1,084,590 | $1,297,239 (+27.48%) Land $212,649 Building $1,084,590 |
| 2023 | $42.00 | $1,017,572 Land $231,168 Building $786,404 | $1,017,572 Land $231,168 Building $786,404 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 88% of Idaho |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Intermax Networks Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| MountainLink Fixed Wireless | 250 / 50 |
5G (outdoors only) and 4G LTE
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