770 Lone Cedar Ln, Clark Fork, ID 83811 Property Records

Bonner County property record for 770 Lone Cedar Ln, Clark Fork, ID 83811

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,524 sqft · built 2021
Lot Size	10.1 acres (443,005 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Jan 2013)
Tax Bill	$1,771 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`RP55N03E340301A`

Property Details

APN / Parcel Number

Primary APN	`RP55N03E340301A`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,524 sqft Finished Area
1st Floor Area	2,524 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	443,005 sqft (10.1 acres)
Garage Type	Attached
Garage Area	40 sqft
Shed	1 Shed
Shed Area	690 sqft
Pole Barn	896 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	770 LONE CEDAR LN
City	CLARK FORK
State	ID
Zip	83811-8005
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10
Legal Description	34-55N-3E TAX 12
Legal Range	03E
Legal Township	55N
Legal Section	34
Jurisdiction	BONNER ID
Township / Civil Division	CLARK FORK
Census Block Group	2
Census Block	2073
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 42, HOPE, ID 83836-0042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · Line of Credit HORIZON CU
Mar 7, 2023	Deed of Trust, Mortgage · Line of Credit HORIZON CU
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage WILLAMETTE VALLEY BANK
Jan 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST BANK
Jan 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2013 · Amount on Record
Deed Sale	Jan 23, 2013 · Amount on Record
Prior Sale	Jul 6, 2005 · Amount on Record
Deed Document Number	2013838744
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	770 LONE CEDAR LN, CLARK FORK, ID 83811-8005
Transaction Type	Mortgage
Record Updated	Feb 25, 2026
Title Company	NOBLESERVE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	770 LONE CEDAR LN, CLARK FORK, ID 83811-8005

Mortgage

Document Number	0001058200
Date	Feb 12, 2026
Instrument	1058200

Lender

Name	HORIZON CU
Type	Credit Union
Address	SPOKANE, WA 99215

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 11, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	770 LONE CEDAR LN, CLARK FORK, ID 83811-8005
Transaction Type	Mortgage
Record Updated	Mar 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001017514
Date	Mar 7, 2023
Instrument	1017514

Lender

Name	HORIZON CU
Type	Credit Union
Address	SPOKANE, WA 99215

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 6, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	770 LONE CEDAR LN, CLARK FORK, ID 83811-8005
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	TITLEONE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000996412
Date	Nov 29, 2021
Instrument	996412

Lender

Name	WILLAMETTE VALLEY BANK
Type	Bank
Address	SALEM, OR 97303

Agreement

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

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	770 LONE CEDAR LN, CLARK FORK, ID 83811-8005
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	SANDPOINT TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000900579
Date	Jan 13, 2017
Instrument	900579

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	COEUR D ALENE, ID 83814

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Feb 1, 2020

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	770 LONE CEDAR LN, CLARK FORK, ID 83811-8005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SANDPOINT TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	900579
Date	Jan 13, 2017
Instrument	900579

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	COEUR D ALENE, ID 83814

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Feb 1, 2020

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	$1,771.00 (+7.99%) Homeowner's exemption	$570,416 (+0.06%) Land $110,849 Building $459,567	$570,416 (+0.06%) Land $110,849 Building $459,567
2025	$1,640.00 (-11.88%) Homeowner's exemption	$570,077 (-11.93%) Land $110,510 Building $459,567	$570,077 (-11.93%) Land $110,510 Building $459,567
2023	$1,861.00 Homeowner's exemption	$647,268 Land $98,605 Building $548,663	$647,268 Land $98,605 Building $548,663

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 42% of the US · lower than 88% of Idaho
Wildfire Likelihood	0.06% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Blackfoot Telephone Cooperative DSL	10 / 1

Cell Coverage

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

Nearby Properties on Lone Cedar Ln

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