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Single Family ResidenceResidential
$450,764$372 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

12686 N CAVANAUGH DR

RATHDRUM, ID 83858
3
Beds
2
Baths
1,213 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$451K
$432K low$470K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$134,786
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$107,829
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.70%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$315,978
AMERICAN PACIFIC MORTGAGE CORP · recorded Jan 27, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,340 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$379,460 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$160,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$219,460
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$379,460
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$379,460

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.40
58
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
44
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
59
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
7
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.17 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyKootenai
Lot (acres)The size of the land the home sits on, from county records.0.17
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
HeatingThe type of heating system in the home.Gas
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Lakeland High SchoolA
High · Grades 9–12 · 2.1 mi
M
Lakeland Middle SchoolC+
Middle · Grades 6–8 · 2.2 mi
E
Garwood Elementary SchoolC-
Elementary · Grades KG–5 · 4.0 mi

District: Lakeland Joint School District 272

Neighborhood · ZIP 83858These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.116
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.78

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.20,348
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.178 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,548
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,301
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.31 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

12686 N Cavanaugh Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 81% of homes in Kootenai County
  • Smaller than 82% of homes in Kootenai County
  • Has a smaller lot than 86% of homes in Rathdrum 83858
  • Newer than 97% of homes in Kootenai County

What homes are worth in Rathdrum 83858

Each bar is how many homes fall in that price range. The marker is this home.

This home
$314K$1.6M

This home is worth more than 20% of homes in Rathdrum 83858.

How it measures up in Rathdrum 83858

The dot is this home. The mark in the middle is the typical home in Rathdrum 83858.

Estimated value$450,764
CheaperTypical $575,876Pricier

Pricier than 20% of homes nearby

Price per ft²$372
CheaperTypical $352Pricier

Pricier than 59% of homes nearby

Living area1,213 ft²
SmallerTypical 1,754 ft²Bigger

Bigger than 20% of homes nearby

Lot size0.17 ac
SmallerTypical 0.28 acBigger

Bigger than 14% of homes nearby

Year built2022
OlderTypical 2002Newer

Newer than 93% of homes nearby

How 12686 N Cavanaugh Dr ranks against every home in each area.
MeasureThis homeRathdrum 83858Kootenai County
Estimated valuepricier than$450,76420% of homes19% of homes
Price per ft²pricier than$37259% of homes64% of homes
Living areabigger than1,213 ft²20% of homes18% of homes
Lot sizebigger than0.17 ac14% of homes24% of homes
Year builtnewer than202293% of homes97% of homes

About 12686 N Cavanaugh Dr

How much is 12686 N Cavanaugh Dr, Rathdrum, ID worth?

The TopHap Estimate for 12686 N Cavanaugh Dr, Rathdrum, ID is $450,764 as of Jul 14, 2026. The likely range is $431,958 to $469,570. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12686 N Cavanaugh Dr, Rathdrum, ID last sell?

12686 N Cavanaugh Dr, Rathdrum, ID last sold on Jan 27, 2023, according to the county's recorded deed.

How big is 12686 N Cavanaugh Dr, Rathdrum, ID?

12686 N Cavanaugh Dr, Rathdrum, ID has 3 bedrooms, 2 bathrooms, 1,213 square feet of living space and a 0.17-acre lot.

When was 12686 N Cavanaugh Dr, Rathdrum, ID built?

12686 N Cavanaugh Dr, Rathdrum, ID was built in 2022, making it 4 years old.

What schools serve 12686 N Cavanaugh Dr, Rathdrum, ID?

12686 N Cavanaugh Dr, Rathdrum, ID is assigned to Lakeland High School (high), rated A; Lakeland Middle School (middle), rated C+; Garwood Elementary School (elementary), rated C-. All sit in Lakeland Joint School District 272. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12686 N Cavanaugh Dr, Rathdrum, ID compare to other homes in Rathdrum 83858?

Among the 8,677 homes in Rathdrum 83858, it is worth more than 20% of them ($450,764 against a typical $575,876), its price per square foot is higher than 59% of them ($372 against a typical $352), it is bigger than 20% of them (1,213 ft² against a typical 1,754 ft²), its lot is bigger than 14% of them (0.17 ac against a typical 0.28 ac) and it is newer than 93% of them (2022 against a typical 2002). Measured against all of Kootenai County, it is worth more than 19% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12686 N Cavanaugh Dr, Rathdrum, ID?

The 2025 property tax bill for 12686 N Cavanaugh Dr, Rathdrum, ID was $1,340. The county assessed it at $379,460.

Closest homes

More homes in Rathdrum 83858

Assigned schools

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