4619 W Freemont 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 #98990711)
- Source: https://www.zillow.com/homedetails/4619-W-Freemont-St-Boise-ID-83706/79671940_zpid/
- Price: ~$475,000 — ⚠️ Zillow shows OFF-MARKET, so this figure may be a Zestimate / last-list, not an active asking price
- 2 bd / 1 ba · 950 sqft · built 1949 · ~$500/sqft
- Status (Zillow, checked 2026-06-19): Off Market
County record — Ada County Assessor (the truth)
- Parcel: R7777806980 · Subdivision: SCOTTS 2ND SUB · PAR #6980 OF LOT 4 BLK 23 · Zone R-1C · 0.210 ac · Tax Code Area 01-6
- Owner of record: SEGOINE HAROLD RICHARD (a person → owner-occupied; held since 2014, Instrument #2014088904 — a long-tenured resident, no flip)
- 2026 assessed value: $385,400 — land $226,900 (MARKET) + dwelling $158,500 (COST)
- The ~$475k Zestimate is ~$89,600 (23%) over assessed — but it’s an estimate, not a negotiated ask, so treat the gap as soft until/unless it actually lists.
Valuation history by year (no Idaho cap — taxes drift with these)
| Year | Assessed |
|---|---|
| 2026 | $385,400 |
| 2025 | $370,100 |
| 2024 | $348,800 |
| 2023 | $351,000 |
| 2022 | $398,600 |
| 2021 | $303,000 |
| 2020 | $238,400 |
Up ~62% in six years (2020 $238k → 2026 $385k). Budget for ongoing tax drift if it ever becomes a candidate.
Actual property tax history (Total Taxes billed)
| Year | Total Taxes |
|---|---|
| 2025 | $2,259.00 |
| 2024 | $2,030.84 |
| 2023 | $2,158.12 |
| 2022 | $2,372.32 |
| 2021 | $1,945.40 |
| 2020 | $1,643.14 |
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
- OFF-MARKET — nothing to buy today. The ~$475k is a Zestimate, not a negotiated price. Included for the tax baseline and to watch if it relists.
- Would not fit at the estimate — ~$200/mo over the payment ceiling and ~$4k over the cash fund.
- 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
Off-market, so there’s nothing to pursue right now — the ~$475,000 is a Zestimate, not a live ask. 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). But if it ever relisted near $475k it still wouldn’t fit — ~$2,700/mo (≈$200 over) and ~$109k cash (≈$4k over). Keep it on the watch list; revisit the math against a real ask if and when it comes back to market.