970 Ridge Rd, McCall, ID 83638 Property Records

Valley County property record for 970 Ridge Rd, McCall, ID 83638

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,072 sqft · built 2004
Lot Size	0.973 acres (42,384 sqft)
Owner	2 Individual Names on Record
Last Sale	$804,650 (Feb 2024)
Tax Bill	$2,054 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`RP002800000720`

Property Details

APN / Parcel Number

Primary APN	`RP002800000720`
Alternative APN	`739517`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,072 sqft Living Area
Gross Area	2,912 sqft
1st Floor Area	2,072 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	42,384 sqft (0.973 acres)
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	970 RIDGE RD
City	MCCALL
State	ID
Zip	83638-5417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY VIEW SUBDIVISION NO. 3 LOT 72
Legal Subdivision	VALLEY VIEW SUBDIVISION
Legal Block	1
Legal Lot Number	72
Jurisdiction	VALLEY ID
Township / Civil Division	MCCALL
Census Block Group	1
Census Block	1085
Census Tract	970301

Owner

Source: Valley County records, as of August 14, 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 1749, MCCALL, ID 83638-1749
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 14, 2024	Warranty Deed, Transfer TERI LLOYD
Nov 19, 2019	Warranty Deed, Transfer AMERITITLE CASCADE
Nov 19, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2024 · Amount on Record
Deed Sale	Feb 14, 2024 · Amount on Record
Prior Sale	Nov 19, 2019 · Amount on Record
Deed Document Number	2024461649
Prior Transfer Date	Jun 12, 2013
Prior Transfer Doc	0000378127
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VALLEY ID
Property Address	970 RIDGE RD, MCCALL, ID 83638-5417
Transaction Type	Mortgage
Record Updated	Mar 5, 2024
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000448803
Date	Mar 16, 2022
Instrument	448803

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VALLEY ID
Recording Date	Feb 14, 2024
Property Address	970 RIDGE RD, MCCALL, ID 83638-5417
Document Number	0000461649
Instrument Date	Feb 14, 2024
Instrument	461649
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	AMERITITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1749, MCCALL, ID 83638-1749

Mortgage

Document Number	0000461650
Date	Feb 14, 2024
Instrument	461650

Lender

Name	TERI LLOYD
Type	Private Party

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VALLEY ID
Recording Date	Nov 19, 2019
Property Address	970 RIDGE RD, MCCALL, ID 83638-5417
Document Number	0000425036
Instrument Date	Nov 14, 2019
Instrument	425036
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	AMERITITLE CASCADE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 N 3RD ST, BISHOP, CA 93514-2812

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VALLEY ID
Recording Date	Nov 19, 2019
Property Address	970 RIDGE RD, MCCALL, ID 83638-5417
Document Number	0000425037
Instrument Date	Nov 14, 2019
Instrument	425037
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	AMERITITLE CASCADE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 N 3RD ST, BISHOP, CA 93514-2812

Mortgage

Document Number	0000425038
Date	Nov 19, 2019
Instrument	425038

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

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

Tax Assessment & Valuation

Source: Valley County assessment roll, as of August 14, 2026

Property Jurisdictions

Type	Name
State	Idaho
County	Valley County
Unified School District	McCall-Donnelly Joint School District 421 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$806,329 (+0.9%) Land $213,826 Building $592,503	$806,329 (+0.9%) Land $213,826 Building $592,503
2025	$2,054.00 (+42.64%)	$799,134 (-1.6%) Land $171,061 Building $628,073	$799,134 (-1.6%) Land $171,061 Building $628,073
2023	$1,440.00 (-18.96%) Homeowner's exemption	$812,107 Land $213,826 Building $598,281	$812,107 Land $213,826 Building $598,281
2022	$1,777.00

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 November 16, 2022 · 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	3 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	High above 84% of the US · above 47% of Idaho
Wildfire Likelihood	0.8% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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