15902 S Spirit Lake Rd, Spirit Lake, ID, 83869
About This Home
Escape to your own private waterfront retreat in beautiful Shields Bay on Spirit Lake! This charming boat-access-only cabin offers 50 feet of deep-water frontage in a quiet, protected bay known for excellent fishing, calm waters, and peaceful surroundings. The property features a quality dock with an additional swim dock, making it the perfect place to spend your summer days swimming, boating, and enjoying the lake. The cabin offers 2 bedrooms, 1 bathroom, and a spacious living room with large windows that frame beautiful lake views. Whether you're relaxing inside or enjoying the waterfront, this is the ideal setting to unplug and experience North Idaho lake life. The property is served by a lake water system and does not have a septic system, offering a true rustic cabin experience. Whether you're looking for a weekend getaway, a fishing retreat, or a place to create lasting family memories, this waterfront property is ready for your personal touches and years of enjoyment.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1970
Materials
- Foundation: Concrete Perimeter
- Roof: Metal
- Construction materials: T1-11,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater,Refrigerator,Microwave
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 2
Features
- Flooring: Vinyl,Carpet
- Fireplace features: Wood Burning Stove
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Heating
- Heating features: Cadet,Wood Stove,Electric,Wood
Interior Area
- Total structure area: 640
- Total interior livable area: 640 sqft
Property
Details
- Parcel number: 53N05W240200
- Zoning: Rural
- Other equipment: Satellite Dish
Features
- Has view: Yes
- View description: Mountain(s),Territorial,Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Boat Access Only
- Waterbody name: Spirit Lake
Lot
- Lot size: 10,018 sqft
- Features: Steep Slope,Sloped,Wooded
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 | $1,769 | $21,228 |
| Home Insurance | $69 | $828 |
| Property Taxes | $101 | $1,212 |
| Electricity | $141 | $1,695 |
| Total | $2,080 | $24,960 |
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 |
|---|---|---|
| 2026-06-26 | Listed for sale | $349,900 |
View on Zillow