1 Rung Ln, Polson, MT 59860 Property Records

Lake County property record for 1 Rung Ln, Polson, MT 59860

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 888 sqft · built 1954
Lot Size	0.826 acres (35,981 sqft)
Owner	2 Individual Names on File
Last Sale	$350,100 (Dec 2021)
Tax Bill	$2,822 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R154823`

Property Details

APN / Parcel Number

Primary APN	`R154823`
Alternative APNs	`15-3228-09-4-15-02-0000` `0000003536`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	888 sqft Living Area
1st Floor Area	888 sqft
Basement Area	888 sqft
Unfinished Basement	888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	35,981 sqft (0.826 acres)
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	148 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gravity Furnace
Heating Fuel	Wood
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000003536
Street Address	1 RUNG LN
City	POLSON
State	MT
Zip	59860-4001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Legal Description	RABEN ADD (POLSON), S09, T22 N, R20 W, BLOCK 1, LOT 7 - 10, ACRES 0.826
Legal Range	20W
Legal Township	22N
Legal Section	09
Legal Subdivision	RABEN ADD (POLSON)
Legal Block	1
Legal Lot Number	7-10
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	1
Census Block	1157
Census Tract	940306

Owner

1 Rung Ln is owned and occupied by two individuals who bought it in December 2021.

Source: Lake County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1 RUNG LN, POLSON, MT 59860-4001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EAGLE BANK
Dec 2, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 1, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 29, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2021 · Amount on File
Deed Sale	Dec 2, 2021 · Amount on File
Deed Document Number	2021594192
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	1 RUNG LN, POLSON, MT 59860-4001
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000635602
Date	Nov 17, 2025
Instrument	635602

Lender

Name	EAGLE BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Dec 2, 2021
Property Address	1 RUNG LN, POLSON, MT 59860-4001
Document Number	594192
Instrument Date	Nov 30, 2021
Instrument	594192
Transaction Type	Transfer
Record Updated	Dec 9, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 RUNG LN, POLSON, MT 59860-4001

Mortgage

Document Number	594193
Date	Dec 2, 2021
Instrument	594193

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	1 RUNG LN, POLSON, MT 59860-4001
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	553645
Date	Mar 1, 2017
Instrument	553645

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	1 RUNG LN, POLSON, MT 59860-4001
Transaction Type	Mortgage
Record Updated	May 20, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	576740
Date	Apr 29, 2020
Instrument	576740

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1 Rung Ln was $2,822, up 97.1% from the year before.

Source: Lake County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Lake County
Elementary School District	Polson Elementary School District (PK - 08)
Secondary School District	Polson High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,822.00 (+97.07%)	$360,100 (-)
2025	$1,432.00	$360,100	$360,100 Land $92,568 Building $267,532
2023	$1,913.00	$279,300	$279,300 Land $63,681 Building $215,619

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1 Rung Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1 Rung Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 98.8% of Montana
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF POLSON serves 5,300 people · EPA ID MT0000308
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Western Montana CommunityTel.

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