256 Poverty Ln, Spirit Lake, ID, 83869
About This Home
Exceptional homestead opportunity bordering private timberland; an additional adjacent 5-acre parcel available! This 4,000+ sq. ft. home with a walkout basement offers incredible flexibility for multi-generational living, hobby farming, and self-sufficient country living. No CCRs or HOA; bring your horses, goats, and chickens. Established garden areas, mature fruit trees, and 2, 1500gal cisterns support home and irrigation. Recent updates include new kitchen countertops, carpet, paint, drywall, and a dedicated gym space. Original oak floors, multiple living areas, formal dining, and a vintage wood-burning oven create warmth and character throughout. The main-floor primary suite includes a private office, while upstairs bedrooms and the finished walkout basement provide excellent guest or in-law living options. Surrounded by mature cedar and fir trees, the property also features two picturesque ponds frequented by moose and deer, creating a truly special North Idaho retreat!
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 1975
Materials
- Foundation: Concrete Perimeter
- Roof: Metal
- Construction materials: Frame
Notable Dates
- Major remodel year: 2026
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Propane Water Heater,Water Softener,Refrigerator,Microwave,Dishwasher
- Laundry features: Washer Hookup
Basement
- Has basement: Yes
- Basement: Finished,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 2
Features
- Fireplace
- Flooring: Wood,Tile,Laminate,Carpet
- Fireplace features: Wood Burning Stove
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Heating
- Heating features: Fireplace(s),Cadet,Wood Stove,Electric,Propane,Wood
Interior Area
- Total structure area: 4,029
- Total interior livable area: 4,029 sqft
Property
Details
- Parcel number: RP54N04W058700A
- Zoning: Rural 5
- Other equipment: Satellite Dish
Features
- Patio & porch: Deck
- Exterior features: Fire Pit,Garden,Lighting
- Has view: Yes
- View description: Territorial
- Residential vegetation: Fruit Trees
Lot
- Lot size: 5 Acres
- Features: Sloped,Wooded,Borders Special Land
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
- Avalanche
- Inland Flooding
- Winter Weather
- Cold Wave
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters in Bonner County and Idaho
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,665 | $43,980 |
| Home Insurance | $144 | $1,728 |
| Property Taxes | $154 | $1,848 |
| Electricity | $246 | $2,955 |
| Total | $4,209 | $50,508 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-18 | Price change | $699,900 |
| 2026-07-30 | Price change | $725,000 |
| 2026-07-23 | Pending sale | $750,000 |
| 2026-06-25 | Price change | $750,000 |
| 2026-06-10 | Listed for sale | $800,000 |
| 2024-07-15 | Sold | -- |
| 2024-06-13 | Pending sale | $645,000 |
| 2024-06-02 | Listed for sale | $645,000 |
| 2024-05-25 | Pending sale | $645,000 |
| 2024-05-24 | Listed for sale | $645,000 |
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