95 Ray Davis Ln, Sandpoint, ID 83864 Property Records

Bonner County property record for 95 Ray Davis Ln, Sandpoint, ID 83864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,920 sqft · built 1972
Lot Size	1.39 acres (60,636 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,500 (Jul 2005)
Tax Bill	$1,135 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RP57N01W037001A`

Property Details

APN / Parcel Number

Primary APN	`RP57N01W037001A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,920 sqft Finished Area
1st Floor Area	2,240 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	60,636 sqft (1.39 acres)
Garage Type	Attached
Garage Area	340 sqft
Parking Spaces	1 Parking Space
Pole Barn	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	95 RAY DAVIS LN
City	SANDPOINT
State	ID
Zip	83864-6493
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	3-57N-1W TAX 50
Legal Range	01W
Legal Township	57N
Legal Section	03
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	1
Census Block	1062
Census Tract	950202

Owner

Source: Bonner County records, as of August 18, 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	95 RAY DAVIS LN, SANDPOINT, ID 83864-6493
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 6, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2005 · Amount on Record
Deed Sale	Jul 18, 2005 · Amount on Record
Deed Document Number	2005681882
Last Transfer Date	Oct 26, 2016
Transfer Doc	0000896946
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	95 RAY DAVIS LN, SANDPOINT, ID 83864-6493
Transaction Type	Mortgage
Record Updated	May 3, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	980820
Date	Apr 15, 2021
Instrument	980820

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Jan 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	95 RAY DAVIS LN, SANDPOINT, ID 83864-6493
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	ALLIANCE TITLE-BOISE PRODUCT, ALLIANCE TTL BOISE PRODUCTIO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	948344
Date	Nov 6, 2019
Instrument	948344

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Bonner County assessment roll, as of August 22, 2025

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		$389,373 (-)	$389,373 (-)
2025	$1,135.00 (-2.32%) Homeowner's exemption	$389,373 (-3.47%) Land $232,034 Building $157,339	$389,373 (-3.47%) Land $232,034 Building $157,339
2023	$1,162.00 Homeowner's exemption	$403,362 Land $219,982 Building $183,380	$403,362 Land $219,982 Building $183,380

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 47% of the US · lower than 86% 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.

Drinking Water

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

Water System	ODEN WATER ASSN INC serves 1,524 people · EPA ID ID1090092
Water Source	Surface water
Last State Inspection	May 2023
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	1 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 7 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
T-Mobile Fixed Wireless	25 / 3

May also be available: Intermax Networks, Kaniksu Internet.

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