Bonner County property record for 96 Flatwater Ln, Sandpoint, ID 83864
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,597 sqft · built 2018 |
| Lot Size | 4.04 acres (175,982 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $13,099 (2026) |
| Deeds & Mortgages | May 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | RP56N03W047600A |
| Primary APN | RP56N03W047600A |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,597 sqft Finished Area |
| 1st Floor Area | 4,597 sqft |
| Great Room | Great Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 175,982 sqft (4.04 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Attached |
| Garage Area | 78 sqft |
| Boat Access | Boat Access |
| Cooling System | None |
|---|---|
| Heating System | Central |
| Street Address | 96 FLATWATER LN |
|---|---|
| City | SANDPOINT |
| State | ID |
| Zip | 83864-3700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Description | 4-56N-3W TAX 39 |
| Legal Range | 03W |
| Legal Township | 56N |
| Legal Section | 04 |
| Jurisdiction | BONNER ID |
| Township / Civil Division | SANDPOINT |
| Census Block Group | 3 |
| Census Block | 3051 |
| Census Tract | 950402 |
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 | 11820 QUAIL RUN RD, PASCO, WA 99301-4986 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BONNER ID |
| Property Address | 96 FLATWATER LN, SANDPOINT, ID 83864-3700 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|
| Document Number | 956519 |
|---|---|
| Date | May 4, 2020 |
| Instrument | 956519 |
| Name | BANNER BANK |
|---|---|
| Type | Bank |
| Address | YAKIMA, WA 98907 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bonner County assessment roll, as of October 15, 2026
| Type | Name |
|---|---|
| State | Idaho |
| County | Bonner County |
| Unified School District | Lake Pend Oreille School District 84 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,099.00 | $3,307,678 (-0.02%) Land $2,006,532 Building $1,301,146 | $3,307,678 (-0.02%) Land $2,006,532 Building $1,301,146 |
| 2025 | $13,099.00 (+3.61%) | $3,308,328 (+11.91%) Land $2,006,532 Building $1,301,796 | $3,308,328 (+11.91%) Land $2,006,532 Building $1,301,796 |
| 2023 | $12,642.00 | $2,956,277 Land $1,681,882 Building $1,274,395 | $2,956,277 Land $1,681,882 Building $1,274,395 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 8 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 98.3% of Idaho |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 24 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: AT&T, Intermax Networks, T-Mobile.
5G and 4G LTE (outdoors only)
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