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39138 S Highway 3, St Maries, ID, 83861

2beds
1baths
1,560sqft
$450,000
$288price/sqft
$2,643/moest. monthly cost
$105,720/yrincome needed

About This Home

Welcome to this inviting 2-bedroom, 1-bathroom farmhouse nestled on 4.66 gently sloping acres. Enjoy breathtaking mountain views from the oversized kitchen windows and the spacious back deck—perfect for relaxing mornings or evening sunsets. The home features a large, covered patio ideal for outdoor entertaining year-round. With open terrain, this property is perfectly suited for animals, gardening, or your next homestead project. Multiple outbuildings offer flexible use and can be repurposed to suit your needs—whether for storage, workshops, or creative projects. Conveniently located just 40 minutes from Coeur d'Alene and 15 minutes from Harrison, this property blends rural serenity with accessible amenities. A perfect opportunity to create the lifestyle you've been dreaming of! ***Seller to credit $10,000 at closing toward closing costs or rate buy-down.***

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

--
7/10

Construction

Condition

  • Year built: 1950

Materials

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

Notable Dates

  • Major remodel year: 1997

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Unfinished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • High Speed Internet
  • Flooring: Tile,Laminate,Carpet
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating

  • Heating features: Cadet,Wood Stove,Electric,Oil,Baseboard

Interior Area

  • Total structure area: 1,560
  • Total interior livable area: 1,560 sqft

Property

Details

  • Parcel number: 47N02W086200
  • Zoning: County AG

Features

  • Has view: Yes
  • View description: Mountain(s),Territorial
  • Residential vegetation: Fruit Trees

Lot

  • Lot size: 4.66 Acres
  • Features: Open Lot,Level,Southern Exposure,CDA Reservation

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
  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Winter Weather
Heat Wave
Ice Storm
Landslide
Wildfire

FEMA Declared Disasters in Kootenai 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 $2,275$27,300
Home Insurance $102$1,224
Property Taxes $125$1,500
Electricity $141$1,695
Total$2,643$31,716

Income You'd Need if You Spent...

35% on housing$90,617/yr
40% on housing$79,290/yr
45% on housing$70,480/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: -0.1%
-0.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 83861$174
Kootenai County$392

vs Homes Sold Last Month

Median $/sqft

ZIP 83861
Kootenai County$312

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
2026-01-13Listed for sale$460,000
2025-12-14Listing removed$460,000
2025-09-10Price change$460,000
2025-07-19Price change$470,250
2025-06-14Listed for sale$495,000
2014-07-08Sold--
2014-01-04Listed for sale$133,500

For Sale by Agent

AgentRamona Bratiloveanu
BrokerageSt Maries Realty

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