775 Lower Pack River Rd, Sandpoint, ID 83864 Property Records

Bonner County property record for 775 Lower Pack River Rd, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,490 sqft · built 1990
Lot Size	0.437 acres (19,036 sqft)
Owner	Company Name on Record
Tax Bill	$1,823 (2023)
Deeds & Mortgages	Nov 2019 Mortgage Oct 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`RP007860000280A`

Property Details

APN / Parcel Number

Primary APN	`RP007860000280A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,490 sqft Finished Area
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,036 sqft (0.437 acres)
Garage Type	Attached
Garage Area	108 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Street Address	775 LOWER PACK RIVER RD
City	SANDPOINT
State	ID
Zip	83864-4992
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	36-58N-1W HIDDEN LAKES LOT 28
Legal Subdivision	HIDDEN LAKES
Legal Lot Number	28
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	1
Census Block	1033
Census Tract	950202

Owner

Source: Bonner County records, as of December 4, 2023

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	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	775 LOWER PACK RIVER RD, SANDPOINT, ID 83864-4992
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2019	Deed of Trust, Mortgage · VA Mortgage SYNERGY ONE LENDING
Oct 7, 2022	Intrafamily Transfer, Transfer
Jun 22, 2021	Warranty Deed, Transfer NORTH ID TITLE COMPANY-COEUR D'ALENE, NORTH ID TTL CO COEUR D ALEN
Nov 14, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2021
Deed Sale	Jun 22, 2021
Prior Sale	Jun 22, 2021
Deed Document Number	0000985699
Last Transfer Date	Oct 7, 2022
Transfer Doc	0001012645
Record Updated	Jun 7, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	775 LOWER PACK RIVER RD, SANDPOINT, ID 83864-4992
Transaction Type	Mortgage
Record Updated	Oct 19, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000948351
Date	Nov 6, 2019
Instrument	948351

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BONNER ID
Recording Date	Oct 7, 2022
Property Address	775 LOWER PACK RIVER RD, SANDPOINT, ID 83864-4992
Document Number	0001012645
Map Reference	MB 4 PG 64
Instrument Date	Oct 7, 2022
Instrument	1012645
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	775 LOWER PACK RIVER RD, SANDPOINT, ID 83864-4992

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Jun 22, 2021
Property Address	775 LOWER PACK RIVER RD, SANDPOINT, ID 83864-4992
Document Number	0000985699
Map Reference	MB 4 PG 64
Instrument Date	Jun 15, 2021
Instrument	985699
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	NORTH ID TITLE COMPANY-COEUR D'ALENE, NORTH ID TTL CO COEUR D ALEN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3811 TAYLOR AVE, BELLINGHAM, WA 98229-2918

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Nov 14, 2018
Property Address	775 LOWER PACK RIVER RD, SANDPOINT, ID 83864-4992
Document Number	0000930962
Map Reference	MB4 PG64
Instrument Date	Nov 6, 2018
Instrument	930962
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE & ESCROW CORP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2790 SANDESTIN DR, RENO, NV 89523-2111

Mortgage

Document Number	0000930963
Date	Nov 14, 2018
Instrument	930963

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Bonner County assessment roll, as of January 1, 2023

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
2023	$1,823.00 Homeowner's exemption	$633,654 Land $254,000 Building $379,654	$633,654 Land $254,000 Building $379,654

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 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 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 40% of the US · lower than 89% of Idaho
Wildfire Likelihood	0.05% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	IDAHO CLUB private · serves 300 people · EPA ID ID1090297
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MountainLink Fixed Wireless	250 / 50
T-Mobile Fixed Wireless	100 / 20
Intermax Networks Fixed Wireless	100 / 20
Wired or Wireless Fixed Wireless · not low latency	30 / 10

May also be available: Vyve Broadband.

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