103 Cedar Way, Whitefish, MT 59937 Property Records

Flathead County property record for 103 Cedar Way, Whitefish, MT 59937

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,255 sqft · built 1981
Lot Size	0.001 acres (83 sqft)
Owner	2 Individual Names on File
Last Sale	$250,500 (Nov 2019)
Tax Bill	$4,358 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0791615`

Property Details

APN / Parcel Number

Primary APN	`R0791615`
Alternative APNs	`07-4292-11-4-17-01-7103` `07429211417010103` `0000971578`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,255 sqft Living Area
1st Floor Area	523 sqft
2nd Floor Area	523 sqft
Attic	Attic
Attic Area	209 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	83 sqft (0.001 acres)
View / Lot	Mountain
Deck Area	93 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000971578
Street Address	103 CEDAR WAY
City	WHITEFISH
State	MT
Zip	59937-8052
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	3
Legal Description	LOST TRAIL CONDO PTAR PH 2 STAGE 2, S11, T31 N, R22 W, UNIT 103
Legal Range	22W
Legal Township	31N
Legal Section	11
Legal Subdivision	LOST TRAIL CONDO PTAR PH 2 STAGE 2
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	1
Census Block	1020
Census Tract	302

Owner

103 Cedar Way, a condominium, is owned by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	92 SHARPE CRESCENT SE MEDICINE HAT AB
Owner Type	Individual

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
Apr 1, 2024	Deed of Trust, Mortgage · Line of Credit RBC BANK (GEORGIA) NA
Nov 21, 2019	Warranty Deed, Transfer · Conventional Mortgage RBC BANK (GEORGIA) NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2019 · Amount on File
Deed Sale	Nov 21, 2019 · Amount on File
Deed Document Number	201930567
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	103 CEDAR WAY, WHITEFISH, MT 59937
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400005406
Date	Apr 1, 2024
Instrument	202400005406

Lender

Name	RBC BANK (GEORGIA) NA
Type	Bank
Address	RALEIGH, NC 27617

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 20, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Nov 21, 2019
Property Address	103 CEDAR WAY, WHITEFISH, MT 59937
Document Number	201900030567
Map Reference	MB 748 PG 228
Instrument Date	Nov 20, 2019
Instrument	201900030567
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIDELITY NATIONAL 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 with Right of Survivorship
Address	42 COOK CT SE MEDICINE HAT AB T1B 3Y3 CANADA, AB T1B, XX

Mortgage

Document Number	201900030569
Date	Nov 21, 2019
Instrument	201900030569

Lender

Name	RBC BANK (GEORGIA) NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

Tax Assessment & Valuation

The 2026 property tax bill for 103 Cedar Way was $4,358.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,358.00	$690,500
2025			$690,500 Land $349,972 Building $340,528
2023	$2,558.00	$414,700	$414,700 Land $250,279 Building $164,421

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

Flood

FEMA maps place 103 Cedar Way 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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	13 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 103 Cedar Way is high, ranking above 76% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 62% of Montana
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	BIG MOUNTAIN WATER COMPANY private · serves 2,435 people · EPA ID MT0000060
Water Source	Groundwater
Last State Inspection	Oct 2025
Also Mapped Here	CITY OF WHITEFISH
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 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 41 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.

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