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Jenn Smart

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3665 E O'gara Rd , Harrison, ID 83833
$1,429,000
Est. Payment: $3,175.56/mo
3 Bed
5 Bath
3286 Sqft
1.78 Acres
Status: pending | Days on site: 38
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SMR - 12016
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House Description

***RARE FINANCING OPPORTUNITY! Existing loan with a 2.625% interest rate may be assumable by a qualified buyer, subject to lender approval and existing loan terms.*** Experience the best of North Idaho lake living from this exceptional secondary waterfront home overlooking beautiful Lake Coeur d'Alene. Walls of windows capture breathtaking panoramic lake views and unforgettable sunsets, creating a spectacular backdrop for everyday living and entertaining. Offering 3 bedrooms, 4.5 bathrooms, dedicated office space, and a large loft, the home provides a versatile and spacious layout ideal for both full-time living and a North Idaho retreat. Recent improvements include a new HVAC system installed in 2025 and a new upper-deck awning installed in 2026, adding comfort and enhancing the outdoor living space. Step outside and unwind in the hot tub while taking in the incredible lake views, or head down to the private community beach and your TWO boat slips for a day on the water. Outdoor recreation is close at hand with convenient access to the 73-mile Trail of the Coeur d'Alenes, perfect for biking, walking, and exploring the beauty of North Idaho. Enjoy the privacy and tranquility of lake living while remaining approximately 45 minutes from Coeur d'Alene and 1 hour 30 minutes from Spokane International Airport. Come for the view, stay for the lifestyle, and make every sunset your own.

Highlights

Listed by Ramona Bratiloveanu , 208-582-6890 St Maries Realty , 208-245-4502. Coeur d'Alene MLS

Property Type

Residential

Lot/Acreage
1.78

Year Built

1993

County

Kootenai

Area

09 - Chain Lakes/Harrison Area

Neighborhood

Lacon Tracts

School District

Kootenai - 274

Listing ID

26-8634

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:5
Appliances:Gas Range, Electric Dryer, Electric Water Heater, Wine Refrigerator, Washer, Refrigerator, Microwave, Disposal, Dishwasher
Air Cond:Central Air
Fireplaces:Gas
Floor:Wood,Tile,Carpet
Basement:Finished,Daylight,Walk-out
Other:
  • ▪ Additional:Fireplace, High Speed Internet, Jetted Tub, Smart Thermostat, Washer Hookup
Water:Community System

Exterior Features

Lot:Sprinklers In Rear,Sprinklers In Front,Open Lot,Irregular Lot,Sloped,Landscaped,Level,Southern Exposure,Wooded,CDA Reservation
Zoning:County RES
Roof:Composition
Others:
  • ▪ Additional:Boat Slip, Fire Pit, Open Deck, Pergola, Spa/Hot Tub
Sewer:Septic Tank
Parking Features:Paved Parking,RV Parking - Open
Principal Interest
$3,176
Taxes
$365

Home Price

$1,429,000

Loan Details

30 yrs
0%

Down Payment

20%
$285,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,175.56

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,175.56 $365.33 $0.00 $3,540.89
Yearly $38,106.67 $4,384.00 $0.00 $42,490.67
Total $1,143,200.00 $131,520.00 $0.00 $1,274,720.00
Lender profile image
So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (Harrison, ID).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Coeur d'Alene MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T09:09:49.000Z

© 2026 Coeur d'Alene MLS