2379 W Palouse 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 #98990691)

• Source: https://www.zillow.com/homedetails/2379-W-Palouse-St-Boise-ID-83705/79695349_zpid/
• Price: ~$515,000 — ⚠️ Zillow shows OFF-MARKET, so this figure may be a Zestimate / last-list, not an active asking price
• 2 bd / 1 ba · 918 sqft · built 1952 · ~$561/sqft
• Status (Zillow, checked 2026-06-19): Off Market
• Note: a different property from the active 3309 W Palouse St (palouse) — same street, different house.

County record — Ada County Assessor (the truth)

• Parcel: R8043000091 · Subdivision: SORENSEN SUB · PAR #0091 OF LOT 5 · Zone R-1C · 0.250 ac · Tax Code Area 01-6
• Owner of record: BAUSERMAN LUKE (a person → owner-occupied; held since 2018, Instrument #2018002819)
• 2026 assessed value: $455,200 — land $236,600 (MARKET) + dwelling $218,600 (COST)
• The dwelling value ($218.6k) is unusually high for a “918 sqft” house — well above the ~$150–160k dwelling values on the comparable 1949–1962 cottages in this batch. That strongly implies a substantial remodel and/or addition; the real finished square footage may exceed the Zillow figure. Verify actual sqft and what was permitted before trusting the listing spec.
• The ~$515k Zestimate is ~$59,800 (13%) over assessed — but it’s an estimate, not a negotiated ask.

Valuation history by year (no Idaho cap — taxes drift with these)

Up ~59% in six years (2020 $285k → 2026 $455k); the highest assessed value in this batch.

Actual property tax history (Total Taxes billed)

Exemption is applied. 2025 tax $2,849.68 ≈ ($433,100 − $125k) × 0.92% — exemption-adjusted (resident owner since 2018). Eric, living here, inherits roughly this bill (~$2,850/yr ≈ ~$238/mo) — the highest tax of the batch, because it’s the highest-assessed property. FILE FOR THE EXEMPTION after closing if it transacts.

Affordability — VERDICT: Off-market (nothing to buy); hypothetical doesn’t fit either

Assumptions: 6.5% 30-yr fixed, 20% down (no PMI), exempted tax ~$2,850/yr, ins ~$120/mo, price = the ~$515k Zestimate, NOT a live ask.

Hypothetical 20% down (no PMI) at the ~$515k Zestimate

• 20% down = $103,000 → loan $412,000
• P&I at 6.5%: ~$2,604/mo
• Property tax (exemption applied): ~$238/mo
• Insurance: ~$120/mo · HOA $0 · PMI $0
• All-in: ~$2,962/mo → ~$462/mo OVER the $2,500 ceiling.
• Cash: $103,000 down + ~$15,450 closing (3%) ≈ $118,450 → ~$13.5k OVER the $105k fund.

Misses badly on both axes even at the estimate — and again, there’s no listing to act on.

Flags

• OFF-MARKET — nothing to buy today. The ~$515k is a Zestimate, not a negotiated price. Tracking only.
• Would not fit at the estimate — ~$462/mo over the payment ceiling and ~$13.5k over the cash fund; the worst hypothetical fit of the three off-market ones.
• Highest assessed in the batch ($455,200) → highest tax (~$238/mo).
• Dwelling value far exceeds the listed 918 sqft — likely a remodel/addition; confirm true finished sqft and permit history if it ever lists (could mean more house than the spec, or unpermitted work — find out which).
• 0.25-ac lot (largest land in the batch) and a resident owner since 2018 (not a flip) are the pluses.

Bottom line

Off-market, so there’s nothing to chase — the ~$515,000 is a Zestimate, not a live ask. The county record is the interesting part: 2026 assessed $455,200 (highest in the batch) with a dwelling value ($218.6k) far above what a 918-sqft cottage should carry, which points to a meaningful remodel/addition — verify the true square footage if it relists. Owner-occupied since 2018 with the exemption applied, so Eric’s tax would be ~$238/mo. But at the ~$515k estimate it doesn’t fit: ~$2,962/mo (≈$462 over) and ~$118k cash (≈$13.5k over). Watch only; re-run against a real ask, and pin down the actual sqft, if it ever comes to market.