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Single Family ResidenceResidential
$450,473$247 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

20520 N CROSS CREEK RD

RATHDRUM, ID 83858
2
Beds
1
Baths
1,824 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.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1968
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$450K
$421K low$479K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$860 (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.$351,940 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$150,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$201,440
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$351,940
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$351,940

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.51
88
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
49
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
43
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
68
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.104 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.1 percent flood zone

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.0.15
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.None
FireplaceWhether the home has a fireplace, and what kind.Yes

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.

E
Twin Lakes Elementary SchoolA-
Elementary · Grades KG–5 · 0.3 mi
H
Lakeland High SchoolA
High · Grades 9–12 · 3.2 mi
M
Lakeland Middle SchoolC+
Middle · Grades 6–8 · 3.3 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%

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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

20520 N Cross Creek Rd 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 82% of homes in Rathdrum 83858
  • Costs less per square foot than 90% of homes in Rathdrum 83858
  • Has a smaller lot than 93% of homes in Rathdrum 83858
  • Older than 92% of homes in Rathdrum 83858

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
$317K$1.7M

This home is worth more than 18% 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$450,473
CheaperTypical $585,014Pricier

Pricier than 18% of homes nearby

Price per ft²$247
CheaperTypical $354Pricier

Pricier than 10% of homes nearby

Living area1,824 ft²
SmallerTypical 1,756 ft²Bigger

Bigger than 55% of homes nearby

Lot size0.15 ac
SmallerTypical 0.29 acBigger

Bigger than 7% of homes nearby

Year built1968
OlderTypical 2002Newer

Newer than 8% of homes nearby

How 20520 N Cross Creek Rd ranks against every home in each area.
MeasureThis homeRathdrum 83858Kootenai County
Estimated valuepricier than$450,47318% of homes18% of homes
Price per ft²pricier than$24710% of homes16% of homes
Living areabigger than1,824 ft²55% of homes47% of homes
Lot sizebigger than0.15 ac7% of homes14% of homes
Year builtnewer than19688% of homes13% of homes

About 20520 N Cross Creek Rd

How much is 20520 N Cross Creek Rd, Rathdrum, ID worth?

The TopHap Estimate for 20520 N Cross Creek Rd, Rathdrum, ID is $450,473 as of Aug 30, 2026. The likely range is $421,447 to $479,499. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20520 N Cross Creek Rd, Rathdrum, ID last sell?

20520 N Cross Creek Rd, Rathdrum, ID last sold on Jun 12, 2019, according to the county's recorded deed.

How big is 20520 N Cross Creek Rd, Rathdrum, ID?

20520 N Cross Creek Rd, Rathdrum, ID has 2 bedrooms, 1 bathrooms, 1,824 square feet of living space and a 0.15-acre lot.

When was 20520 N Cross Creek Rd, Rathdrum, ID built?

20520 N Cross Creek Rd, Rathdrum, ID was built in 1968, making it 58 years old. The building has 2 stories.

What schools serve 20520 N Cross Creek Rd, Rathdrum, ID?

20520 N Cross Creek Rd, Rathdrum, ID is assigned to Twin Lakes Elementary School (elementary), rated A-; Lakeland High School (high), rated A; Lakeland Middle School (middle), rated C+. All sit in Lakeland Joint School District 272. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20520 N Cross Creek Rd, Rathdrum, ID compare to other homes in Rathdrum 83858?

Among the 8,677 homes in Rathdrum 83858, it is worth more than 18% of them ($450,473 against a typical $585,014), its price per square foot is higher than 10% of them ($247 against a typical $354), it is bigger than 55% of them (1,824 ft² against a typical 1,756 ft²), its lot is bigger than 7% of them (0.15 ac against a typical 0.29 ac) and it is newer than 8% of them (1968 against a typical 2002). Measured against all of Kootenai County, it is worth more than 18% 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 20520 N Cross Creek Rd, Rathdrum, ID?

The 2025 property tax bill for 20520 N Cross Creek Rd, Rathdrum, ID was $860. The county assessed it at $351,940.

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