10 Cosmos Ln, Kalispell, MT 59901 Property Records

Flathead County property record for 10 Cosmos Ln, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,939 sqft · built 2019
Lot Size	3.29 acres (143,530 sqft)
Owner	2 Individual Names on File
Last Sale	$43,800 (Apr 2018)
Tax Bill	$2,122 (2026)
Deeds & Mortgages	Aug 2026 Transfer Jul 2026 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R0787879`

Property Details

APN / Parcel Number

Primary APN	`R0787879`
Alternative APNs	`07-3964-15-1-01-05-0000` `0000956253`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,939 sqft Living Area
1st Floor Area	1,446 sqft
Attic	Attic
Attic Area	493 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	143,530 sqft (3.29 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000956253
Street Address	10 COSMOS LN
City	KALISPELL
State	MT
Zip	59901-7324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S15, T28 N, R23 W, C.O.S. 23078-1, ACRES 3.295, TR 4BA IN SE4NE4
Legal Range	23W
Legal Township	28N
Legal Section	15
Legal Subdivision	CERTIFICATE OF SURVEY # 11444
Legal Tract	1
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL NORTHWEST
Census Block Group	1
Census Block	1032
Census Tract	1701

Owner

10 Cosmos Ln is owned and occupied by two individuals who acquired it in August 2026.

Source: Flathead County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 COSMOS LN, KALISPELL, MT 59901-7324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Jul 22, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Jul 21, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Jul 12, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK
Feb 13, 2020	Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK
Dec 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERSTATE BANK
Aug 14, 2025	Warranty Deed, Transfer · Conventional Mortgage WHITEFISH CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2018 · Amount on File
Deed Sale	Apr 23, 2018 · Amount on File
Prior Sale	Jan 7, 2013
Last Transfer Date	Aug 11, 2026
Transfer Doc	0000016412
Record Updated	Oct 29, 2026

August 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FLATHEAD MT
Recording Date	Aug 12, 2026
Property Address	10 COSMOS LN, KALISPELL, MT 59901-7324
Document Number	0000016412
Instrument Date	Aug 11, 2026
Instrument	202616412
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COSMOS LN, KALISPELL, MT 59901-7324

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jul 22, 2026
Property Address	10 COSMOS LN, KALISPELL, MT 59901-7324
Document Number	0000014787
Instrument Date	Jul 21, 2026
Instrument	202614787
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COSMOS LN, KALISPELL, MT 59901-7324

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jul 21, 2026
Property Address	10 COSMOS LN, KALISPELL, MT 59901-7324
Document Number	0000014772
Instrument Date	Jul 21, 2026
Instrument	202614772
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10 COSMOS LN, KALISPELL, MT 59901-7324

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	10 COSMOS LN, KALISPELL, MT 59901-7324
Transaction Type	Mortgage
Record Updated	Sep 24, 2025
Title Company	INSURED TITLE, INSURED TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800014281
Date	Jul 12, 2018
Instrument	201800014281

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	KALISPELL, MT 59904

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	10 COSMOS LN, KALISPELL, MT 59901-7324
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000004070
Date	Feb 13, 2020
Instrument	202000004070

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 7, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	10 COSMOS LN, KALISPELL, MT 59901-7324
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900031752
Date	Dec 5, 2019
Instrument	201900031752

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	KALISPELL, MT 59904

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Aug 14, 2025
Property Address	10 COSMOS LN, KALISPELL, MT 59901-7324
Document Number	202500017427
Instrument Date	Aug 14, 2025
Instrument	202500017427
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	FLATHEAD PREMIER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 433, CAMAS, WA 98607-0049

Mortgage

Document Number	202500017428
Date	Aug 14, 2025
Instrument	202500017428

Lender

Name	WHITEFISH CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 10, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 10 Cosmos Ln was $2,122, up 0.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Montana
County	Flathead County
Elementary School District	Smith Valley Elementary School District (PK - 08)
Secondary School District	Flathead High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,122.00 (+0.33%)	$628,500 (+2.39%)
2025	$2,115.00	$613,800	$628,500 Land $183,698 Building $444,802
2023	$3,539.00	$471,800	$471,800 Land $90,328 Building $381,472

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

Flood

FEMA maps place 10 Cosmos Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10 Cosmos Ln is high, ranking above 70% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 51% of Montana
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

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