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433 Campbell Point Rd, Laclede, ID, 83841

5beds
5baths
5,282sqft
$2,049,000
$388price/sqft
$11,532/moest. monthly cost
$461,280/yrincome needed

About This Home

Timeless waterfront retreat with soaring cathedral ceilings, an open-concept design, and breathtaking views of the Pend Oreille River. Situated on 100 feet of frontage, this exceptional 5-bedroom, 5-bath home offers 5,282 sq ft of living space plus a sleeping loft and expansive wraparound deck perfectly positioned to capture the stunning waterfront scenery. The beautifully maintained property was updated in 2018 and features 2 ensuite bedrooms, 3 fireplaces, tankless hot water, central vacuum, oversized California closets, and abundant storage. The gourmet kitchen offers stainless steel appliances, including a Sub-Zero refrigerator, double ovens, dishwasher, microwave, and washer/dryer. A separate 1-bedroom, 1-bath guest quarters provides ideal space for visitors or extended stays. Outside, enjoy a large backyard deck overlooking the water, an expansive lawn, sprinkler system, fully fenced grounds, a beautiful sandy beach, and 2 boat lifts.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1995

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Beverage Refrigerator,Built In Microwave,Cooktop,Dishwasher,Freezer,Microwave,Refrigerator,Washer,Wine Cooler
  • Laundry features: Main Level,Spacious

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Walk-Out Access

Bathroom1

  • Level: Main

Bathroom2

  • Level: Lower

Bathroom3

  • Level: Lower

Bedroom2

  • Level: Lower

Bedroom3

  • Level: Lower

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main

Features

  • 3/4 Bath,Central Vacuum,Vaulted Ceiling(s)
  • Fireplace features: Propane,3+ Fireplaces
  • Fireplace: Yes
  • Finished area below ground: 1,792
  • Finished area above ground: 3,490

Heating & Cooling

  • Heating features: Forced Air,Propane,Furnace
  • Cooling features: Central Air,Air Conditioning

Interior Area

  • Total structure area: 5,282
  • Total interior livable area: 5,282 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: RP000410000090A
  • Zoning description: Residential

Features

  • Patio & porch: Covered Porch
  • Exterior features: Fire Pit
  • Fencing: Fenced,Partial
  • Has view: Yes
  • View description: Mountain(s),Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: River,Water Frontage Location(Main),Water Access Type(Private),Water Access Location(Main),Water Access
  • Waterbody name: Pend Oreille River

Lot

  • Lot size: 0.47 Acres
  • Features: 10 to 15 Miles to City/Town,Irrigation System,Landscaped,Sloped,Sprinklers,Southern Exposure

Parking

  • Total spaces: 2
  • Parking features: 2 Car Detached,Garage Door Opener,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Avalanche
    AvalancheModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Winter Weather
Avalanche
Ice Storm
Lightning

FEMA Declared Disasters in Bonner 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 $10,360$124,320
Home Insurance $431$5,172
Property Taxes $419$5,028
Electricity $322$3,875
Total$11,532$138,384

Income You'd Need if You Spent...

35% on housing$395,382/yr
40% on housing$345,960/yr
45% on housing$307,520/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: -0.1%
-0.1%
0%15.0%
Property Taxes Growth Rate2-year average: 4.4%
4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$388This listing

vs Other Active Listings

Avg $/sqft

ZIP 83841
Bonner County$371

vs Homes Sold Last Month

Median $/sqft

ZIP 83841$284
Bonner County$344

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
2026-08-01Price change$2,049,000
2026-05-20Listed for sale$2,199,000
2023-02-16Listing removed--
2022-09-19Listed for sale$2,400,000
2020-05-28Listing removed$1,147,000
2020-01-03Listed for sale$1,147,000

For Sale by Agent

AgentCarrie Lagrace
BrokerageTOMLINSON SOTHEBY`S INTL. REAL

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