4619 W Freemont St
- Price$460,000
- Beds / Baths2 / 1
- Sqft950
- Built1949
- HOANone
- Avg drive13 min
- School zoneBoise
Drive times 13 min avg
- Illya's house 14 min 5.9 mi
- Jay & Debby's house 16 min 5.7 mi
- Boise High School 6 min 2.3 mi
- Idaho Fine Arts Academy 16 min 8.9 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 |
|---|---|---|
| 2026 | $385,400 | — |
| 2025 | $370,100 | $2,259.00 |
| 2024 | $348,800 | $2,030.84 |
| 2023 | $351,000 | $2,158.12 |
| 2022 | $398,600 | $2,372.32 |
| 2021 | $303,000 | $1,945.40 |
| 2020 | $238,400 | $1,643.14 |
Idaho has no cap on assessment increases — assessed value (and therefore tax) drifts up year over year. Budget for the drift.
Run June 19, 2026 · rate 6.5% (Freddie 6.47% 6/18, Bankrate 6.48% 6/19/2026) · cash fund $105k
Update (verified 2026-07-01): now ACTIVE at a real $460,000 list — the eval below was written while it was off-market, against the ~$475,000 Zestimate. All the affordability math is the ~$475k hypothetical; re-run the eval at the live $460k ask.
Listing facts (Zillow)
- ~$484/sqft (at the $460,000 list)
County record — Ada County Assessor (the truth)
- Owner is a long-tenured resident (held since 2014), no flip.
- The live $460,000 list is ~$74,600 (19%) over assessed — a real ask now, not an estimate. (The ~$475k Zestimate the eval was run against was ~$89,600 / 23% over.)
Up ~62% in six years (2020 $238k → 2026 $385k). Budget for ongoing tax drift if it ever becomes a candidate.
Exemption is applied. 2025 tax $2,259.00 on $370,100 assessed = ~0.61% effective — exemption-adjusted, consistent with the long-time resident owner. Gross levy ≈ 0.92%. Eric, living here, would inherit roughly this bill (~$2,260/yr ≈ ~$188/mo). FILE FOR THE EXEMPTION after closing if it ever transacts.
Affordability — VERDICT: Off-market (nothing to buy); hypothetical doesn’t fit either
Assumptions: 6.5% 30-yr fixed, 20% down (no PMI), effective levy 0.92% / exempted bill ~$2,260/yr, ins ~$110/mo, price = the ~$475k Zestimate, NOT a live ask.
Hypothetical 20% down (no PMI) at the ~$475k Zestimate
- 20% down = $95,000 → loan $380,000
- P&I at 6.5%: ~$2,402/mo
- Property tax (exemption applied): ~$188/mo
- Insurance: ~$110/mo · HOA $0 · PMI $0
- All-in: ~$2,700/mo → ~$200/mo OVER the $2,500 ceiling.
- Cash: $95,000 down + ~$14,250 closing (3%) ≈ $109,250 → ~$4k OVER the $105k fund.
So even at the estimate it misses on both axes — but the operative fact is there’s no listing to act on.
Flags
- RELISTED — now Active at $460,000 (verified 2026-07-01). The eval below predates the relist; it was run against the ~$475k Zestimate. Re-run at the live ask.
- Did not fit at the ~$475k estimate — ~$200/mo over the payment ceiling and ~$4k over the cash fund; the $460k ask is ~$15k less, so the margins narrow but the math needs a fresh run.
- 1949 2bd/1ba, 950 sqft — small, single bath, pre-1950 systems (inspect electrical/plumbing/sewer if it ever lists). The 0.21-ac lot is a plus.
- Long-time owner (since 2014), exemption applied — not a flip; the tax baseline is clean and low (~$188/mo).
Bottom line
It came back: now Active at a real $460,000 list (verified 2026-07-01) — this eval predates the relist. The county baseline is solid: a 1949 2/1 on a 0.21-ac lot, 2026 assessed $385,400, owned by a long-time resident with the homeowner’s exemption in force (so Eric’s tax would be a low ~$188/mo). The hypothetical run at the ~$475k Zestimate missed on both axes — ~$2,700/mo (≈$200 over) and ~$109k cash (≈$4k over) — and the live $460,000 ask, while ~$15k friendlier, is still ~19% over assessed. Re-run the eval against the real ask before this moves off the watch list.