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10653 N Payment Peak Rd, Hauser, ID, 83854

3beds
3baths
3,780sqft
$1,150,500
$304price/sqft
$6,521/moest. monthly cost
$260,840/yrincome needed

About This Home

$15,000 Seller credit offered for interest rate buy down or credit of your choosing! Now, Imagine waking up every morning to sweeping mountain views, fresh North Idaho air, and complete privacy on your own 10.22-acre retreat. Perched high above it all, this 3,780 sq ft home was designed to bring the outdoors in--with expansive windows and a 12-foot covered wraparound deck that showcases nearly 360° panoramic views across 3 states! Whether it's morning coffee at sunrise or unwinding at sunset, every moment here feels elevated. Inside, the home offers 3 bedrooms and 3 bathrooms with warm, inviting spaces showcasing solid hickory throughout. Cozy up by the wood stove on snowy evenings or enjoy the ease of central A/C during the summer. Every room captures a view--but the primary suite is something special with walk out deck access you will wake up to views of Mt. Spokane from your shower, then relax in the jetted tub with Tower Mountain as your backdrop. Recirculating hot water system for 7 second hot water in the whole house. Step outside and experience what truly sets this property apart. A 40x60 heated and insulated shop with 200-amp service gives you room for all your toys, projects, and storage--without sacrificing views. At the top of the property, a charming two-story lookout/playhouse offers a private escape with some of the best vantage points around. The land is beautifully low-maintenance, giving you more time to enjoy what matters--quiet mornings, wildlife sightings of deer and moose, and evenings spent on the deck watching fireworks light up the skies over Silverwood, Coeur d'Alene, and Liberty Lake. This isn't just a home--it's the feeling of getting away from it all, without giving up comfort, space, or connection.

Getting Around

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

Schools

7/10
5/10
Lakeland Middle SchoolGrades 6-86.3 mi
9/10

Construction

Condition

  • Year built: 2018

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Fiber Cement,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Water Softener,Washer,Refrigerator,Microwave,Freezer,Disposal,Dishwasher
  • Laundry features: Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Daylight

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Fireplace,High Speed Internet
  • Flooring: Tile,Laminate,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,Electric,Propane,Wood,Forced Air

Interior Area

  • Total structure area: 3,780
  • Total interior livable area: 3,780 sqft

Property

Details

  • Parcel number: 51N05W175550
  • Zoning: County-AG

Features

  • Patio & porch: Deck
  • Exterior features: Lighting,Rain Gutters,See Remarks
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: Mountain(s),Territorial,City,Neighborhood

Lot

  • Lot size: 10.22 Acres
  • Features: Sloped,Southern Exposure,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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Ice Storm
Heat Wave
Strong Wind

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 $5,817$69,804
Home Insurance $226$2,712
Property Taxes $247$2,964
Electricity $231$2,773
Total$6,521$78,252

Income You'd Need if You Spent...

35% on housing$223,577/yr
40% on housing$195,630/yr
45% on housing$173,893/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

$304This listing

vs Other Active Listings

Avg $/sqft

ZIP 83854$251
Kootenai County$391

vs Homes Sold Last Month

Median $/sqft

ZIP 83854$277
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
2026-04-30Price change$1,295,000
2026-03-30Listed for sale$1,339,000
2026-01-01Listing removed$1,299,000
2025-11-10Price change$1,299,000
2025-09-14Listed for sale$1,345,000
2023-11-06Listing removed--
2023-09-21Price change$1,375,000
2023-08-22Listed for sale$1,425,000

For Sale by Agent

AgentJodi McKenzie
BrokerageSilvercreek Realty Group, LLC

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