1814 N Amber St
Run June 19, 2026 · via boise-home-eval skill · rate 6.5% (Freddie 6.47% 6/18, Bankrate 6.48% 6/19/2026) · cash fund $105k
Listing facts (Zillow, MLS #98990778)
- Source: https://www.zillow.com/homedetails/1814-N-Amber-St-Boise-ID-83706/79701847_zpid/
- List price: $460,000
- 2 bd / 2 ba · 1,251 sqft · built 1950 · lot 8,712 sqft (0.20 ac) · no HOA · ~$368/sqft
- Brick mid-century on the Boise Bench · renovated kitchen, quartz counters, hardwood throughout, soft-close cabinets, heated bathroom floor, stainless appliances. Near greenbelt & Winstead Park. Zestimate $445,600. 26 photos.
County record — Ada County Assessor (the truth)
- Parcel: R1625502270 · Subdivision: CRUZEN MOUNTAIN VIEW ADD · Zone R-1C · 0.200 ac · Tax Code Area 01-6
- Owner of record: KLATT LINETTE S REVOCABLE DECLARATION OF TRUST (Instrument #113030220 — long-held)
- 2026 assessed value: $364,800 — land $202,500 (MARKET) + dwelling $162,300 (COST)
- List price is ~$95,200 (26%) OVER assessed value — one of the widest gaps in the batch. Pricing reflects the renovation + location, not the assessment. A question to push on.
Valuation history by year (no Idaho cap — taxes drift with these)
| Year | Assessed |
|---|---|
| 2026 | $364,800 |
| 2025 | $344,800 |
| 2024 | $338,900 |
| 2023 | $339,400 |
| 2022 | $390,300 |
| 2021 | $304,600 |
| 2020 | $239,300 |
Actual property tax history (Total Taxes billed)
| Year | Total Taxes |
|---|---|
| 2025 | $2,025.86 |
| 2024 | $1,941.02 |
| 2023 | $2,047.38 |
| 2022 | $2,300.34 |
| 2021 | $1,962.92 |
| 2020 | $1,653.86 |
Exemption already applied. 2025 bill $2,025.86 ≈ ($344,800 − $125k) × 0.92% (resident trust). Eric inherits roughly this bill (~$2,022/yr ≈ ~$169/mo — the lowest tax in the batch). FILE FOR THE EXEMPTION after closing.
Affordability — VERDICT: OVER on payment AND just over cash fund
Assumptions: 6.5% 30-yr fixed, 20% down (no PMI), effective levy 0.92%, $125k exemption applied, ins ~$110/mo.
20% down (no PMI)
- 20% down = $92,000 → loan $368,000
- P&I at 6.5%: ~$2,326/mo
- Property tax (exemption applied): ~$169/mo
- Insurance: ~$110/mo · HOA $0 · PMI $0
- All-in: ~$2,605/mo → ~$105/mo OVER the $2,500 target. ✗
Cash: $92,000 down + ~$13,800 closing (3%) ≈ $105,800 — ~$800 OVER the $105k fund. Essentially at the ceiling on both axes.
Flags
- List ~26% over the county’s $364,800 — the renovation/Bench-location premium; verify the reno quality and comps before paying it.
- 2 bd / 2 ba, 1,251 sqft — only 2 bedrooms despite the second bath; size/bedroom count is a resale limiter.
- Both constraints just breached — ~$105/mo over payment and ~$800 over the cash fund at clean 20% down.
- Genuine plus: lowest property tax in the batch (~$169/mo), real brick mid-century with a done renovation — the move-in-ready opposite of the fixers here. Just priced for it.
Bottom line
Close, but a no at list: a nicely renovated 1950 brick 2/2 on the Bench, but it’s listed ~26% over the county’s $364,800 and breaks both limits — ~$2,605/mo (≈$105 over $2,500) and ~$105.8k cash (just over the fund). The lowest tax bill in the batch is a real perk, and the house is move-in-ready, but the math says trim the price (or accept it’s slightly out of band). A modest negotiation could pull it into range.