96 4th St, Ponderay, ID 83852 Property Records

Bonner County property record for 96 4th St, Ponderay, ID 83852

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 520 sqft · built 1941
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,671 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RPP00000114300A`

Property Details

APN / Parcel Number

Primary APN	`RPP00000114300A`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	520 sqft Finished Area
1st Floor Area	520 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1985
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Built-in

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	96 4TH ST
City	PONDERAY
State	ID
Zip	83852-7011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11-57N-2W TAX 13 & 1/2 VACATED A ST - CPWRS
Legal Range	02W
Legal Township	57N
Legal Section	11
Legal Subdivision	CPWRS
Jurisdiction	BONNER ID
Township / Civil Division	SANDPOINT
Census Block Group	1
Census Block	1042
Census Tract	950203

Owner

96 4th St is owned and occupied by two individuals who acquired it in February 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	96 4TH ST, PONDERAY, ID 83852-7011
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Mar 13, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 15, 2021	Deed of Trust, Mortgage FREEDOM NORTHWEST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2026
Deed Sale	Feb 27, 2026
Prior Sale	Apr 19, 2024
Deed Document Number	20261058754
Prior Transfer Date	Apr 4, 2024
Prior Transfer Doc	0001032456
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BONNER ID
Recording Date	Mar 13, 2023
Property Address	96 4TH ST, PONDERAY, ID 83852-9998
Document Number	0001017703
Instrument Date	Mar 2, 2023
Instrument	1017703
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	NOT AVAILABLE, TITLEONE NORTH IDAHO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1616 COAL AVE SE APT C, C, ALBUQUERQUE, NM 87106-4692

Mortgage

Document Number	0001017704
Date	Mar 13, 2023
Instrument	1017704

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BONNER ID
Property Address	96 4TH ST, PONDERAY, ID 83852-9998
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	TITLEONE BOISE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	991782
Date	Sep 15, 2021
Instrument	991782

Lender

Name	FREEDOM NORTHWEST CU
Type	Credit Union
Address	KAMIAH, ID 83536

Agreement

Amount	Amount on Record
Term	60 Months
Due	Sep 15, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 96 4th St was $1,671 with a homeowner's exemption.

Source: Bonner County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	Idaho
County	Bonner County
Municipality	Ponderay City
Unified School District	Lake Pend Oreille School District 84 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,671.00 Homeowner's exemption	$213,585 (-3%) Land $131,375 Building $82,210	$213,585 (-3%) Land $131,375 Building $82,210
2025	$1,671.00	$220,195 Land $131,375 Building $88,820	$220,195 Land $131,375 Building $88,820
2023	$1,339.00	$156,266 Land $100,583 Building $55,683	$156,266 Land $100,583 Building $55,683

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

Flood

FEMA maps place 96 4th St in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	9 units insured incl. 8 condo units

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

Wildfire risk around 96 4th St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 95% of Idaho
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	SANDPOINT PUBLIC WORKS DEPT serves 12,284 people · EPA ID ID1090121
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jul 2021
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Ting Fiber	1,000 / 1,000
Vyve Broadband Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
MountainLink Fixed Wireless	250 / 50
Intermax Networks Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile.

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