712 W Bury St
- Price$372,000
- Beds / Baths3 / 2
- Sqft1,416
- Lot6,838 sqft
- Built2004
- HOANone
- Avg drive29 min
- School zoneOther
Drive times 29 min avg
- Illya's house 28 min 16.5 mi
- Jay & Debby's house 39 min 21.6 mi
- Boise High School 29 min 19.5 mi
- Idaho Fine Arts Academy 19 min 10.3 mi
Driving estimates via OSRM (free-flow, no traffic) — routes drawn on the map above. Average across 4 landmarks.
Valuation & tax history
| Year | Assessed value | Property tax |
|---|---|---|
| 2025 | — | $1,059.50 |
| 2024 | — | $728.50 |
| 2023 | — | $963.04 |
| 2022 | — | $1,257.00 |
| 2021 | — | $1,019.04 |
Idaho has no cap on assessment increases — assessed value (and therefore tax) drifts up year over year. Budget for the drift.
Run June 7, 2026 · rate 6.5% (Freddie 6.48% / Bankrate 6.53%, 6/7/2026)
Listing facts
- ~$263/sqft
- Kuna is in Ada County. Cheapest list price of the three real stick-built candidates, and a low ~$263/sqft.
County record — Ada County Assessor (the truth)
- Owner of record: blank on the assessor page (name field empty — likely a redaction or a recent-transfer data gap; title was taken under Instrument #2021073576, i.e. ~2021). The low tax (below) confirms an owner-occupant exemption is in force, so treat as owner-occupied.
- List price ($372k) is ~$34k (10%) ABOVE assessed value — priced modestly over market, normal for a clean 2004 home; not a steal, not outrageous.
Tax is low (~$1,060/yr ≈ ~$88/mo) against a $338k assessed value → effective rate ≈ 0.31%, far below the ~0.9% un-exempted norm. The homeowner’s exemption is already applied. Eric inherits roughly this ~$88/mo, no exemption adjustment needed. (Note Kuna’s tax-code-area 04 runs cheaper than Boise proper — a real plus.)
Affordability — VERDICT: FITS comfortably (strong contender)
- 20% down = $74,400 → loan $297,600
- P&I at 6.5%: ~$1,881/mo
- Property tax (exemption already applied): ~$88/mo
- Insurance: ~$110/mo
- PMI: $0 (20% down)
- All-in: ~$2,079/mo → ~$421/mo UNDER the $2,500 ceiling (and a low ~$88/mo tax line).
One of the cheapest monthlies of the full-price candidates. The low Kuna tax is what keeps it there — at Boise tax rates this would be ~$120/mo more.
Cash — comfortable
- 20% down ($74.4k) + ~$11.2k closing ≈ $85.6k — leaves ~$19.4k of the $105k fund. The cheapest 20%-down entry of the real stick-built candidates. (Emergency fund separate and untouched.)
Flags
- Owner name blank — verify in escrow who actually owns it and that title is clean; the empty field is probably a redaction, but confirm. The tax pattern says owner-occupant, not a flipper/LLC.
- Listed ~10% over assessed — normal, but means no equity cushion at purchase; you’re buying at market.
- 2004 build — youngest-but-one of the real candidates; low deferred-maintenance risk. No HOA. Good.
- Location: Kuna, not Boise proper — longer commute / different amenities than the Bench/SW Boise options. That’s a lifestyle call (the lower tax is part of the Kuna trade-off).
- Comfortably under the $2,500 ceiling, and a low ~$88/mo tax — but the monthly still tracks the rate; re-derive if it moves materially.
Bottom line
One of the best-fitting full-price houses on the board: a clean 2004 / 3bd-2ba / no-HOA home at ~$2,079/mo all-in (~$421 under the $2,500 ceiling), with a low ~$88/mo tax thanks to Kuna’s tax rate and a workable ~$74k down leaving ~$19k of cushion. You’re buying at ~10% above assessed in Kuna rather than Boise — but on numbers it lands right next to Brookover. The real question is whether Kuna works for the life, not whether the math works. If the commute/location is fine, this is a legitimate contender — comparable to Brookover, a touch pricier monthly.