950 Five Lakes Ests, Sagle, ID 83860 Property Records

Bonner County property record for 950 Five Lakes Ests, Sagle, ID 83860

Property Summary

Property Type	Rural Home
Details	4 bd · 4 ba · 4,608 sqft · built 2008
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Feb 2006)
Tax Bill	$3,468 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RP024950000040A`

Property Details

APN / Parcel Number

Primary APN	`RP024950000040A`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	3 Stories
Building Area	4,608 sqft Finished Area
1st Floor Area	4,608 sqft
Basement Area	2,036 sqft
Finished Basement	2,036 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Garage Area	884 sqft
Parking Spaces	4 Parking Spaces
Pole Barn	266 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant

Location & Zoning

Street Address	950 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 VALLEY VIEW LOTS LOT 4
Legal Range	02W
Legal Township	56N
Legal Section	35
Legal Subdivision	VALLEY VIEW
Legal Lot Number	4
Jurisdiction	BONNER ID
Township / Civil Division	BLANCHARD-GLENGARY
Census Block Group	2
Census Block	2001
Census Tract	950801

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 1754, SANDPOINT, ID 83864-0901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage IMC MORTGAGE CORP
Sep 15, 2020	Warranty Deed, Transfer · ARM MOUNTAIN WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2006 · Amount on Record
Deed Sale	Feb 10, 2006 · Amount on Record
Deed Document Number	2006697911
Prior Transfer Date	Feb 8, 2006
Prior Transfer Doc	0000697911
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	950 FIVE LAKES ESTS, SAGLE, ID 83860-5030
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000976456
Date	Feb 16, 2021
Instrument	976456

Lender

Name	IMC MORTGAGE CORP
Type	Mortgage Company
Address	ASHLAND, IL 62612

Agreement

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

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Sep 15, 2020
Property Address	950 FIVE LAKES ESTS, SAGLE, ID 83860-5030
Document Number	0000965433
Map Reference	MB 7 PH 124
Instrument Date	Sep 11, 2020
Instrument	965433
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	TITLEONE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 FIVE LAKES ESTS, SAGLE, ID 83860-5030

Mortgage

Document Number	0000965434
Date	Sep 15, 2020
Instrument	965434

Lender

Name	MOUNTAIN WEST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.12%
Index	1-Year CMT
Margin	3
Max Rate	9.12%

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	$3,468.00 (+10.06%) Homeowner's exemption	$878,429 (-0.03%) Land $109,472 Building $768,957	$878,429 (-0.03%) Land $109,472 Building $768,957
2025	$3,151.00 (+3.14%) Homeowner's exemption	$878,691 (-0.73%) Land $109,324 Building $769,367	$878,691 (-0.73%) Land $109,324 Building $769,367
2023	$3,055.00 Homeowner's exemption	$885,115 Land $106,956 Building $778,159	$885,115 Land $106,956 Building $778,159

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

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

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

Wildfire Risk	Moderate above 53% of the US · lower than 84% of Idaho
Wildfire Likelihood	0.07% 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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