923 S Ruby Rd, Coeur D Alene, ID 83814 Property Records

Kootenai County property record for 923 S Ruby Rd, Coeur D Alene, ID 83814

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,296 sqft · built 2004
Lot Size	20.1 acres (877,865 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,503 (2025)
Deeds & Mortgages	Aug 2019 Mortgage May 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`50N04W171700`

Property Details

APN / Parcel Number

Primary APN	`50N04W171700`
Alternative APN	`139857`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	4,296 sqft Living Area
Basement Area	1,812 sqft
Finished Basement	1,812 sqft

Exterior

Year Built	Built 2004
Construction Type	Frame
Foundation Type	Concrete
Lot Area	877,865 sqft (20.1 acres)
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Shed Area	324 sqft
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Account Number	139857
Street Address	923 S RUBY RD
City	COEUR D ALENE
State	ID
Zip	83814-9649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAX# 19347 [IN S2-NE] 1750N04W
Jurisdiction	KOOTENAI ID
Township / Civil Division	COEUR D'ALENE
Census Block Group	1
Census Block	1039
Census Tract	2000

Owner

Source: Kootenai County records, as of December 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	923 S RUBY RD, COEUR D ALENE, ID 83814-9649
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2019	Deed of Trust, Mortgage · Commercial Mortgage MOUNTAIN WEST BANK
May 13, 2019	Deed of Trust, Mortgage · Line of Credit MOUNTAIN WEST BANK
May 9, 2019	Deed of Trust, Mortgage · Commercial Mortgage MOUNTAIN WEST BANK
Aug 24, 2018	Deed of Trust, Mortgage · Line of Credit MOUNTAIN WEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2025
Deed Sale	Apr 22, 2025
Deed Document Number	2133823000
Prior Transfer Date	Nov 30, 2007
Prior Transfer Doc	2133823000
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	923 S RUBY RD, COEUR D ALENE, ID 83814-9649
Transaction Type	Mortgage
Record Updated	Aug 23, 2019
Title Company	FIRST AMERICAN TTL KOOTENAI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2706205000
Date	Aug 9, 2019
Instrument	2706205000

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	COEUR D ALENE, ID 83816

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	923 S RUBY RD, COEUR D ALENE, ID 83814-9649
Transaction Type	Mortgage
Record Updated	May 24, 2019
Title Company	FIRST AMERICAN TTL KOOTENAI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2692134000
Date	May 13, 2019
Instrument	2692134000

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	HAYDEN, ID 83835

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	923 S RUBY RD, COEUR D ALENE, ID 83814-9649
Transaction Type	Mortgage
Record Updated	May 22, 2019
Title Company	FIRST AMERICAN TTL KOOTENAI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2691818000
Date	May 9, 2019
Instrument	2691818000

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	COEUR D ALENE, ID 83816

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOTENAI ID
Property Address	923 S RUBY RD, COEUR D ALENE, ID 83814-9649
Transaction Type	Mortgage
Record Updated	Sep 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2658455000
Date	Aug 24, 2018
Instrument	2658455000

Lender

Name	MOUNTAIN WEST BANK
Type	Bank
Address	HAYDEN, ID 83835

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kootenai County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Idaho
County	Kootenai County
Unified School District	Coeur d'Alene School District 271 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,503.00 (-4.16%) Homeowner's exemption	$1,088,453 (+1.32%) Land $406,853 Building $681,600	$1,476,424 (+5.17%) Land $794,824 Building $681,600
2024	$3,655.00 (+12.74%)
2023	$3,242.00 (-19.13%) Homeowner's exemption	$1,074,270 (-1.86%) Land $390,550 Building $683,720	$1,403,782 (-3.92%) Land $720,062 Building $683,720
2022	$4,009.00 Homeowner's exemption	$1,094,593 Land $410,873 Building $683,720	$1,461,122 Land $777,402 Building $683,720

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 September 15, 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 30 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	3 (1997–2012)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Mar 2012 · rainfall accumulation

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 56% of the US · lower than 83% of Idaho
Wildfire Likelihood	0.08% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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