915 Five Lakes Ests, Sagle, ID 83860 Property Records

Bonner County property record for 915 Five Lakes Ests, Sagle, ID 83860

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 2,280 sqft · built 2000
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on File
Tax Bill	$2,102 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit May 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`RP56N02W351800A`

Property Details

APN / Parcel Number

Primary APN	`RP56N02W351800A`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,280 sqft Finished Area
1st Floor Area	2,580 sqft
Basement Area	840 sqft
Finished Basement	840 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	871,200 sqft (20 acres)
Garage Type	Built-in
Lean-To	312 sqft
Pole Barn	624 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	915 FIVE LAKES ESTS
City	SAGLE
State	ID
Zip	83860-5030
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10
Legal Description	35-56N-2W TAX 7
Legal Range	02W
Legal Township	56N
Legal Section	35
Jurisdiction	BONNER ID
Township / Civil Division	BLANCHARD-GLENGARY
Census Block Group	2
Census Block	2000
Census Tract	950801

Owner

915 Five Lakes Ests, a rural home, is owned and occupied by an individual.

Source: Bonner County records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	915 FIVE LAKES ESTS, SAGLE, ID 83860-5030
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
May 22, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Nov 20, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 21, 2017	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Recording Date	Aug 31, 2026
Property Address	915 FIVE LAKES ESTS, SAGLE, ID 83860-5030
Document Number	0001066532
Instrument Date	Aug 24, 2026
Instrument	20261066532
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001066532,
Date	Aug 31, 2026
Instrument	20261066532

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Recording Date	May 22, 2026
Property Address	915 FIVE LAKES ESTS, SAGLE, ID 83860-5030
Document Number	0001062136
Instrument Date	Dec 3, 2025
Instrument	20261062136
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001062136,
Date	May 22, 2026
Instrument	20261062136

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	915 FIVE LAKES ESTS, SAGLE, ID 83860-5030
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH IDAHO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	970561
Date	Nov 20, 2020
Instrument	970561

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Sep 1, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	915 FIVE LAKES ESTS, SAGLE, ID 83860-5030
Transaction Type	Mortgage
Record Updated	Apr 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 903021
Date	Mar 21, 2017
Instrument	903021

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 915 Five Lakes Ests was $2,102 with a homeowner's exemption, up 9.1% from the year before.

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	$2,102.00 (+9.14%) Homeowner's exemption	$526,569 (-6.96%) Land $118,307 Building $408,262	$526,569 (-6.96%) Land $118,307 Building $408,262
2025	$1,926.00 Homeowner's exemption	$565,943 Land $117,604 Building $448,339	$565,943 Land $117,604 Building $448,339
2023	$1,804.00 Homeowner's exemption	$550,959 Land $114,996 Building $435,963	$550,959 Land $114,996 Building $435,963

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 915 Five Lakes Ests in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 28, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 915 Five Lakes Ests is moderate, ranking above 64% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · lower than 79% of Idaho
Wildfire Likelihood	0.09% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MountainLink Fixed Wireless	250 / 50
Wired or Wireless Fixed Wireless · not low latency	30 / 10

May also be available: Intermax Networks, T-Mobile.

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