31097 N Nautical Loop, Spirit Lake, ID, 83869
About This Home
Exceptional opportunity to acquire secondary waterfront parcels totaling approximately 1.73 acres near Spirit Lake. The first parcels together are approximately 0.85 acres, and the second parcels together are approximately 0.88 acres and may offer partial water views. Both parcels provide secondary access to Spirit Lake, offering proximity to recreation while maintaining privacy and space. The property includes existing structures that are currently rented on a month to month basis, providing income potential during ownership. This unique offering presents flexibility for a variety of uses, including investment, future development, or the creation of a private estate setting. Buyers should note that any potential for subdivision, additional dwellings, or redevelopment is subject to local zoning, permitting, and approval by the applicable governing authorities. Removal of existing structures and all development plans should be independently verified by the buyer. A rare combination of size, location, and potential near Spirit Lake. Buyers are encouraged to perform their own due diligence regarding zoning, density, utilities, access, and all allowable uses.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1912
Materials
- Foundation: Concrete Perimeter
- Roof: Composition
- Construction materials: Lap Siding,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Refrigerator
- Laundry features: Washer Hookup
Basement
- Has basement: Yes
- Basement: Unfinished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Features
- Flooring: Wood,Vinyl,Carpet
- Fireplace features: Wood Burning Stove
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Heating
- Heating features: Fireplace(s),Wood Stove,Wood
Interior Area
- Total structure area: 1,884
- Total interior livable area: 1,884 sqft
Property
Details
- Parcel number: 04660002001A
- Zoning: Residential
Features
- Patio & porch: Deck
- Has view: Yes
- View description: Mountain(s),Territorial,Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterbody name: Spirit Lake
- Residential vegetation: Fruit Trees
Lot
- Lot size: 1.73 Acres
- Features: Corner Lot
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
- Cold Wave
- Inland Flooding
- Winter Weather
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters in Kootenai 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 | $3,994 | $47,928 |
| Home Insurance | $157 | $1,884 |
| Property Taxes | $275 | $3,300 |
| Electricity | $141 | $1,695 |
| Total | $4,567 | $54,804 |
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 |
|---|---|---|
| 2026-04-29 | Price change | $840,000 |
| 2026-03-31 | Listed for sale | $890,000 |
View on Zillow