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432 N Idaho Club Dr, Sandpoint, ID, 83864

6beds
4baths
5,585sqft
$1,999,999
$358price/sqft
$11,475/moest. monthly cost
$459,000/yrincome needed

About This Home

Your Family’s Dream Home on the North Side of The Idaho Club.The largest home on the north side of this exclusive gated golf community—perfect for raising kids and making lifelong memories.Six spacious bedrooms, 4.5 baths, two main-level suites featuring en-suite baths and walk-in closets. Soaring floor-to-ceiling stone fireplace centers the open living room, flowing through sliding doors to a full-width covered deck—ideal for family gatherings and playtime with views of protected open space.Chef-ready kitchen with high-end appliances, granite counters, wine fridge, and walk-in pantry keeps everyone fueled for adventure.The expansive rear deck overlooks your private retreat: a wooded adjoining lot (includes 38.235% ownership) with towering mature trees and a seasonal creek—nature’s playground right in your backyard.Walk to the clubhouse for dinner or drinks, or zip over in your golf cart from the dedicated garage. New top-of-the-line whole-home generator — powers the entire house, new septic pumps, new water heaters, and upgraded water filters, expanded driveway for easier access & additional parking, high-speed Wi-Fi connectivity—ideal for remote work and streaming.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

9/10
7/10
Sandpoint Middle SchoolGrades 7-88.9 mi
5/10
Sandpoint High SchoolGrades 7-129.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2009

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Frame,Masonite,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Beverage Refrigerator,Built In Microwave,Dishwasher,Disposal,Double Oven,Dryer,Freezer,Range Hood,Range/Oven,Refrigerator,Washer,Wine Cooler
  • Laundry features: Main Level,Granite Count Tops & Sink

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Separate Entry,Walk-Out Access

Bathroom1

  • Level: Main

Bathroom2

  • Level: Main

Bathroom3

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Main level bathrooms: 3
  • Main level bedrooms: 2

Dining Room

  • Level: Main

Features

  • Sauna,High Speed Internet,Insulated,Pantry,Storage,Vaulted Ceiling(s),Tongue and groove ceiling
  • Door features: French Doors
  • Window features: Double Pane Windows,Wood Frames
  • Fireplace features: Built In Fireplace,Blower Fan,Glass Doors,Insert,Mantel,Gas,Raised Hearth,Stone,Wood Burning,Wood Box,3+ Fireplaces
  • Fireplace: Yes
  • Finished area below ground: 2,002
  • Finished area above ground: 3,583

Heating & Cooling

  • Heating features: Fireplace(s),Forced Air,Natural Gas
  • Cooling features: Central Air,Air Conditioning

Interior Area

  • Total structure area: 5,585
  • Total interior livable area: 5,585 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: RP043590200190A
  • Zoning description: Recreation
  • Other equipment: Satellite Dish

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Covered,Covered Patio,Covered Porch
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 0.28 Acres
  • Features: 10 to 15 Miles to City/Town,1 Mile or Less to County Road,Benched,Irrigation System,Landscaped,Sloped,Wooded,Mature Trees

Parking

  • Total spaces: 2
  • Parking features: 2 Car Attached,Electricity,Heated Garage,Insulated,Separate Exit,Water,Garage Door Opener,Golf Cart Garage,Asphalt
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Avalanche
    AvalancheRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Avalanche
Winter Weather
Cold Wave
Ice Storm
Lightning
Wildfire

FEMA Declared Disasters in Bonner County and Idaho

Fire
Mud Landslide
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $10,113$121,356
Home Insurance $480$5,760
Property Taxes $541$6,492
Electricity $341$4,097
Total$11,475$137,700

Income You'd Need if You Spent...

35% on housing$393,428/yr
40% on housing$344,250/yr
45% on housing$306,000/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: -0.1%
-0.1%
0%15.0%
Property Taxes Growth Rate2-year average: 4.4%
4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$358This listing

vs Other Active Listings

Avg $/sqft

ZIP 83864$468
Bonner County$371

vs Homes Sold Last Month

Median $/sqft

ZIP 83864$358
Bonner County$344

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-11-12Listed for sale$2,100,000
2025-06-16Sold--
2025-05-24Pending sale$1,999,900
2025-05-01Listed for sale$1,999,900
2025-04-10Listing removed$1,999,900
2024-09-05Listed for sale$1,999,900
2023-10-26Listing removed--
2023-09-13Price change$1,999,900
2023-04-08Listed for sale$2,100,000
2022-08-04Listing removed--
2022-07-10Pending sale$2,200,000
2022-04-16Listed for sale$2,200,000

For Sale by Agent

AgentMichelle Mckenna
BrokerageIDAHO CLUB REALTY, LLC

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