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Single Family ResidenceResidential
$1,141,758$357 / 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 93How 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

45 PANORAMA RIDGE RD

SANDPOINT, ID 83864
4
Beds
3
Baths
3,194 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.
0.93 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
3
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.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.1M
$1.1M low$1.2M 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.$690,558
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$552,446
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.39%
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.$451,200
MOUNTAIN WEST BANK · recorded Jul 31, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,052 (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.$821,114 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$823,554
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$821,114

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBONNER
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1999
Lot (acres)The size of the land the home sits on, from county records.0.93
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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
Sandpoint High SchoolC
High · Grades 9–12 · 1.1 mi
M
Sandpoint Middle SchoolB+
Middle · Grades 7–8 · 1.2 mi
E
Washington ElementaryA
Elementary · Grades KG–6 · 1.6 mi

District: Lake Pend Oreille School District 84

Neighborhood · ZIP 83864These 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.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.71

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.84%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
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.23,284
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.36 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,503
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,092
Average tempThe average temperature here across a full year.42°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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.Yes

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

45 Panorama Ridge 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 more than 76% of homes in Sandpoint 83864
  • Costs less per square foot than 79% of homes in Sandpoint 83864
  • Bigger than 92% of homes in Sandpoint 83864

What homes are worth in Sandpoint 83864

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

This home
$346K$3.2M

This home is worth more than 76% of homes in Sandpoint 83864.

How it measures up in Sandpoint 83864

The dot is this home. The mark in the middle is the typical home in Sandpoint 83864.

Estimated value$1,141,758
CheaperTypical $773,319Pricier

Pricier than 76% of homes nearby

Price per ft²$357
CheaperTypical $449Pricier

Pricier than 21% of homes nearby

Living area3,194 ft²
SmallerTypical 1,608 ft²Bigger

Bigger than 92% of homes nearby

Lot size0.93 ac
SmallerTypical 0.98 acBigger

Bigger than 49% of homes nearby

Year built1989
OlderTypical 1994Newer

Newer than 44% of homes nearby

How 45 Panorama Ridge Rd ranks against every home in each area.
MeasureThis homeSandpoint 83864Bonner County
Estimated valuepricier than$1,141,75876% of homes75% of homes
Price per ft²pricier than$35721% of homes24% of homes
Living areabigger than3,194 ft²92% of homes92% of homes
Lot sizebigger than0.93 ac49% of homes42% of homes
Year builtnewer than198944% of homes43% of homes

About 45 Panorama Ridge Rd

How much is 45 Panorama Ridge Rd, Sandpoint, ID worth?

The TopHap Estimate for 45 Panorama Ridge Rd, Sandpoint, ID is $1,141,758 as of Jul 14, 2026. The likely range is $1,058,846 to $1,224,670. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Panorama Ridge Rd, Sandpoint, ID last sell?

45 Panorama Ridge Rd, Sandpoint, ID last sold on May 12, 2023, according to the county's recorded deed.

How big is 45 Panorama Ridge Rd, Sandpoint, ID?

45 Panorama Ridge Rd, Sandpoint, ID has 4 bedrooms, 3 bathrooms, 3,194 square feet of living space and a 0.93-acre lot.

When was 45 Panorama Ridge Rd, Sandpoint, ID built?

45 Panorama Ridge Rd, Sandpoint, ID was built in 1989, making it 37 years old. The building has 3 stories.

What schools serve 45 Panorama Ridge Rd, Sandpoint, ID?

45 Panorama Ridge Rd, Sandpoint, ID is assigned to Sandpoint High School (high), rated C; Sandpoint Middle School (middle), rated B+; Washington Elementary (elementary), rated A. All sit in Lake Pend Oreille School District 84. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Panorama Ridge Rd, Sandpoint, ID compare to other homes in Sandpoint 83864?

Among the 9,360 homes in Sandpoint 83864, it is worth more than 76% of them ($1,141,758 against a typical $773,319), its price per square foot is higher than 21% of them ($357 against a typical $449), it is bigger than 92% of them (3,194 ft² against a typical 1,608 ft²), its lot is bigger than 49% of them (0.93 ac against a typical 0.98 ac) and it is newer than 44% of them (1989 against a typical 1994). Measured against all of Bonner County, it is worth more than 75% 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 45 Panorama Ridge Rd, Sandpoint, ID?

The 2025 property tax bill for 45 Panorama Ridge Rd, Sandpoint, ID was $3,052. The county assessed it at $821,114.

Closest homes

More homes in Sandpoint 83864

Assigned schools

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