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6927 W Maine St, Spirit Lake, ID, 83869

1beds
1baths
540sqft
$775,000
$1,435price/sqft
$4,544/moest. monthly cost
$181,760/yrincome needed

About This Home

This Spirit Lake waterfront retreat offers the perfect blend of relaxation and recreation. With 45' of waterfront and a 233' deep lot, there's plenty of space for entertaining, extra parking, and additional RVs. The fenced front yard is ideal for summer games like cornhole, horseshoes, or volleyball, while the 12x16 shed provides convenient storage for lake toys and gear. The charming cabin captures breathtaking water and forest views, and the covered deck, lounge, and firepit areas create the perfect setting for sunset dinners, morning coffee, and peaceful lakefront living. With NO HOA, enjoy the freedom of this laid-back waterfront lifestyle just minutes from the public boat launch, parks, restaurants, and charming local shops.

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

6/10
2/10
9/10

Construction

Condition

  • Year built: 1942

Materials

  • Foundation: Stone
  • Roof: Metal
  • Construction materials: Log,Block

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Washer,Refrigerator,Dishwasher
  • Laundry features: Washer Hookup

Bedrooms & Bathrooms

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

Features

  • Flooring: Laminate,Carpet
  • Common walls with other units/homes: No Common Walls

Heating

  • Heating features: Cadet,Electric

Interior Area

  • Total structure area: 540
  • Total interior livable area: 540 sqft

Property

Details

  • Parcel number: S0700000004A
  • Zoning: R-2

Features

  • Patio & porch: Porch
  • Exterior features: Lawn
  • Has view: Yes
  • View description: Mountain(s),Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterbody name: Spirit Lake

Lot

  • Lot size: 10,454 sqft
  • Features: Open Lot,Level
  • Lot size dimensions: 45 x 233

Parking

  • Parking features: Garage - Attached
  • Has garage: 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Winter Weather
Ice Storm

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 $3,918$47,016
Home Insurance $154$1,848
Property Taxes $331$3,972
Electricity $141$1,695
Total$4,544$54,528

Income You'd Need if You Spent...

35% on housing$155,794/yr
40% on housing$136,320/yr
45% on housing$121,173/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

$1,435This listing

vs Other Active Listings

Avg $/sqft

ZIP 83869$276
Kootenai County$391

vs Homes Sold Last Month

Median $/sqft

ZIP 83869$368
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
2026-07-16Price change$775,000
2026-05-20Listed for sale$799,000
2025-08-08Listing removed--
2025-05-10Listed for sale$895,000
2022-05-08Listing removed--
2022-05-06Listed for sale$1,150,000
2020-06-02Listing removed$360,000
2020-05-03Listed for sale$360,000
2017-04-17Sold--
2017-02-14Listed for sale$147,335
2016-11-17Listing removed$147,335
2016-07-28Price change$95,000
2016-06-28Listed for sale--

For Sale by Agent

AgentKathy Bonnett
BrokerageKelly Right Real Estate

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